I've been looking into the costs of IVF/ICSI as this may be a road we need to travel down (whole other thread!). I was just wondering if people would be willing to share how they came up with the money to go through with the procedures. From my reading I am guessing you need to pay the full amount up front (up to $10K for ICSI and PGD) however you get most of this back through medicare and private health. So how did everyone come up with the initial fee?

Did you save up?

Did you borrow the money?

Did you redraw against your home?

I understand this is a very personal question but I'd like to be able to go back to DH with some experiences from other couples. TIA for your replies.