We are in a similar position. We are also struggling financially right now. It won't be forever, but for the next few months it certainly will be. DH and I have discussed it at length, and have decided to take out our first loan for this birth. Our other options are not viable; the hospital I am zoned to is not a good option for us and how we see pregnancy and birth, and we don't drive, so we can't even get to a hospital ourselves. Not sure if that's an option for you. We're still debating whether to borrow from our bank (who will give us the loan we need, but we're dubious as we've never needed a loan before) or borrow from MIL, which would work well but would probably have repercussions as she's a bit odd. Would that be an option for you guys? It's certainly not the best option out there, but for us it's the only functional one