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IVF

My husband and I have been TTC for over a year now and just found out from our fertility Dr. that semen count is too low to conceive on our own and too low for IUI. IVF is our only option. We cannot afford to drop 15-20 thousand dollars all at once for this. I contacted ARC and we do not qualify for financing. I am losing hope on having a baby now....Anyone else had this problem?
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