I'm sorry to hear you are having such a difficult TTC journey. My situation is similar, but not quite as challenging (37, endo, low egg reserve, signs of subclinical hypothyroidism, but no clotting disorder or blindhorn). It took us 5 transfers (5 fresh cycles plus 1 FET) to get DD. The one time we tried for a blast transfer, none of them made it - 4 were severely fragmented and the other 2 that looked okay at day 3 never progressed any further (ie arrested at day 3). Every other cycle we only had 2 or 3 decent embryos, so we did day 2 or 3 transfers. It was only at our successful transfer that we had an embryo developing on schedule (ie 4-cells at day 2), all the others were behind (ie 2-cells at day 2 or 4-cells at day 3).
When you're dealing with quality issues, it really seems to become a numbers game - you need to produce 10, 20 or more eggs just to get one good one. I honestly believe that our 5th fresh cycle we were just lucky - we managed to get one good egg fertilised with one good sperm (we also have MFI issues that mean DH's sperm are as bad as my eggs). If we hadn't been lucky, we'd have been in the same position as you - only enough money left for 1 more cycle. And, to be honest, I was pretty much burned out with IVF by that point anyway. I no longer believed it would work and the only reason we were still going was because I couldn't quit.
Choosing to end the journey is difficult. What it usually boils down to is one of two things: 1) no more money, or 2) continuing causes you more pain than stopping.
We don't have money for IVF any more, but I'm not ready to stop TTC, so we're doing IUI with injects for now. It's a lower success rate than IVF, but higher than TTC on our own and we can afford to keep doing it (ie keep playing that numbers game). I'm using FSH injects and we try to get 2-4 eggs per cycle (usually get 2). I'm also on clexane and prednisone, just in case there's another problem we haven't had diagnosed. We are also considering donor embryos, but would prefer to try with our own DNA for as long as possible.
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