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Help Ben and Stacy Get Approved for an IVF Loan!

$1,158raised of $15,000 goal
7%

Organizer: Stacy Littner Beneficiary: Benjamin and Stacy Littner

My husband and I are in URGENT need of help to conceive! Please take a minute to read the full description of the fundraiser and why we have it.

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Fundraiser Details

Ben and I (Stacy) have been together for over 4 years now. We got married October 7, 2012 and like most couples, planned on having a family. We have a unique and strong relationship and want nothing more than to join the journey of parenthood together.

A few months ago, our world started to become a little too "real" when we realized we may have some fertility issues. The big blow came about a month ago, when we found out that although I am only 35 years old, I have lost so many eggs, it's most comperable to that of a woman 10 years my senior. Along with the premature ovarian reserve loss, the quality of my eggs is mixed, with only some being truly "usable" for making a baby. The specialist we reached out to, who has over 40 years of experience and is highly recognized in his field, feels IVF (in vitro fertilization) is our best hope. He emphasized how little time we have and how each month that goes by, I am losing more eggs. This is what shakes us to the core. 

We would love to take a year or two to save money and do this all on our own. Unfortunately, time is a luxury we cannot afford when it comes to this. In a year, it could be too late for us. "Now is the time", according to our specialist. 

Please see the "Update" section for a posting detailing the financials (Posted on 1/28/14).

Please know, Ben and I are fairly private people (Ben more than myself). Posting this news for the world to see was a TOUGH decision and Ben's willingness to do so just shows me how much this means to BOTH OF US. We are literally willing to try anything to make this happen! Thank you for taking the time to read our story. We're staying positive that it has a happy ending!




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Updates

Updates

03/10/2014
by Stacy Littner
It's been a while since an update because a lot has been going on! It turns out that Ben has 2 herniated discs in his lower back (just below the place he's already had 2 surgeries). This is has caused him a great amount of pain and he's had to take some time off. He's working with a wonderful ortho, trying just about anything to avoid surgery but only time will tell if he will be able to sustain without it. In the meantime, he is back at work and taking it day by day.

Of course, this has thrown us a curveball in our IVF "plan". We cannot apply for the loan until we know Ben is good without surgery (or if he ends up needing it, healed from surgery) because we need to be SURE we can make the payments. 

You may notice that I've extended the "goal date" by several months. We are going to keep this fundraiser going. Now, even more than when we started, WE NEED HELP. The more we raise, the sooner we can proceed. The sooner we proceed, the higher our chances of having a healthy baby! 

We've come to terms that we aren't going to be able to do this as soon as the doctor urged, but we're not even close to giving up. Please share our story with anyone you can think of. The more people that know, the better our chances!

Thank you all for your ongoing love and support!




02/18/2014
by Stacy Littner
Hello all! We are extending the duration of the fundraiser. Partially because my mom (who is going to apply for the loan) is going to be out of town for 2 weeks. Partially because Ben injured his back and we are trying to focus on getting him better. But mostly because we still don't have enough saved and raised to apply for a reasonable loan amount yet. 

We know the doctor wants us to start IVF ASAP, but our situation comes down to the "P" in that. It's just not possible right now, as we don't have enough money. We are working hard and trying to save. With Ben being unable to work right now, it is hard to put too much to the side. Once we find out what's causing his pain, and he's treated, he'll return to work and we'll be able to go back to putting larger amounts of money aside.

This is also all the more reason that we NEED HELP. We're trying to stay positive but I think we're at a point where we still have faith in the best but are having a hard time seeing the light at the end of the tunnel.


Thank you for your ongoing love, support and prayers! Hopefully there are good things to come :)




02/13/2014
by Stacy Littner
I apologize for not having posted an update in quite a while. As many of you know (and many of you may not), I was diagnosed with Chronic Migraine when I was in my early 20's. It took 7 years, but eventually I found a specialist that was able to help me and get my migraines under control. A great deal of my migraine headaches are due to hormones and pregnancy can actually improve the migraines. 

Lately, I've been struggling because I cannot take some of the medications that make me better when we're trying to get pregnant. I know it will be all worth it once we meet our future baby, but right now it's hard. Especially not knowing how long it will be before we can even try IVF.

I also learned this week that IVF can and is actually used as a TREATMENT for endometriosis (which I have and is progressively getting worse). It's actually the ONLY treatment option for a woman who wants to get pregnant. All other available treatments are things like hormones that are often used as birth control, to surgery which creates scar tissue, to a full out hysterectomy. Still, insurance won't consider it a "treatment" for a condition, but only as artificial reproductive therapy. For me, it would be a perfect blend... a treatment of a painful condition, along with trying to get pregnant!

The fundraising has come to a bit of a stand still and we are still brainstorming ways to make this happen. Sometime in the next few weeks we will be applying for the loan, but the more we have to apply for, the higher the chances we will be rejected and/or the payments will not be affordable. That is why every penny helps! 

Please share our story with your friends and family. The more people that know, the better our chances of gaining more help.

Thank you all for the love and support!






02/13/2014
by Stacy Littner
I apologize for not having posted an update in quite a while. As many of you know (and many of you may not), I was diagnosed with Chronic Migraine when I was in my early 20's. It took 7 years, but eventually I found a specialist that was able to help me and get my migraines under control. A great deal of my migraine headaches are due to hormones and pregnancy can actually improve the migraines. 

Lately, I've been struggling because I cannot take some of the medications that make me better when we're trying to get pregnant. I know it will be all worth it once we meet our future baby, but right now it's hard. Especially not knowing how long it will be before we can even try IVF.

I also learned this week that IVF can and is actually used as a TREATMENT for endometriosis (which I have and is progressively getting worse). It's actually the ONLY treatment option for a woman who wants to get pregnant. All other available treatments are things like hormones that are often used as birth control, to surgery which creates scar tissue, to a full out hysterectomy. Still, insurance won't consider it a "treatment" for a condition, but only as artificial reproductive therapy. For me, it would be a perfect blend... a treatment of a painful condition, along with trying to get pregnant!

The fundraising has come to a bit of a stand still and we are still brainstorming ways to make this happen. Sometime in the next few weeks we will be applying for the loan, but the more we have to apply for, the higher the chances we will be rejected and/or the payments will not be affordable. That is why every penny helps! 

Please share our story with your friends and family. The more people that know, the better our chances of gaining more help.

Thank you all for the love and support!






02/04/2014
by Stacy Littner
We received the letter from the insurance company that was supposed to clarify to the doctor's office that we ARE covered for diagonostics and shouldn't have to pay for our last two tests. 

Unfortunately, the letter is very cryptic. I'll be bringing it to the doctor's office tomorrow, but I have a strong feeling this will not give them the clarification they need and the process will be delayed further.

Today is a tough one.




02/03/2014
by Stacy Littner
We are so thankful for receiving another offline donation today! It couldn't have come at a better time, as I was starting to feel like the fundraiser was coming to a standstill. This donation also came from someone who we don't know. The kindness of strangers is just unbelievable. 

Ben and I are doing well. We are trying to stay positive and hoping for good things to come. I personally am very nervous about this not working out financially and being unable to afford IVF anytime soon. I've had people say, "you're young, it will happen" and things to that same regard. While I appreciate the positive encouragement, it just isn't the case. I may only be 35, but I have the eggs of a 45 year old. Another year or two will GREATLY lessen our chances. 

The urgency I feel is what makes this the hardest. It's trying to get together money you don't have in an immediate way. The stress is often overwhelming. Sometimes I let the stress take over the emotions, as those are even harder to face. 

We just want the opportunity to have a baby and raise a child together. All this complicated stuff comes down to just that; we want a family. And if I could make it happen without asking for help, that is exactly what we would be doing. However, we have to accept our situation for what it is - which means we MUST ask for help, in order to have a chance. So please, if you can spare even a few dollars, every little bit helps! Also, I know there are a lot of people who are not on Facebook that still might want to help. Talking to people about our story could help us find new supporters that we wouldn't otherwise be able to reach. There are so many ways you can help, if you're not sure how, just ask! 

We are so unbelievably thankful to all of our current supporters. Although the donations are what we need, we've also received some beautiful private messages and it truly is the thought that counts. Thank you all!




01/31/2014
by Stacy Littner
Before the start of the new year, we were going through our diagnostic testing. We got through enough of it that the doctor was able to assess that our best chances of conceiving are through IVF, however, we still have 2 more tests to go before the doctor will offically move forward. **Keep in mind, even if the doctor is ready to move forward doesn't mean we will be, as payment for IVF is due BEFORE any treatment begins.**

As of the first of the year, our insurance plan changed. Originally they covered diagnostics (testing only). Then come the beginning of January, my doctor's office notified me that we were no longer covered for diagnostics either. The price of our final two tests is a little over $1,000. I spoke with my insurance company and got a completely different response, telling me that we still were covered for testing. My doctor's office is requiring a letter from my insurance company stating that we ARE IN FACT COVERED. Last week my a rep from our insurance company said this was no problem and she would get it in the mail right away. We are still waiting for this letter. Once it comes, we SHOULD be good to go forward with our last few tests and the doctor could be ready to start within a matter of a FEW WEEKS!

We won't be applying for the loan until we have completed the two tests (giving us a little more time). It is between NOW AND THE TESTS that we need to raise as much money as possible. Again, our hope is not that someone is going to pay for this FOR us, but rather help us have enough that we can apply for less - thus making the possibility of approval MUCH HIGHER. If we do not get a loan approval, we have no other resources for making this happen in the time frame the specialist believes we need to do this for success.

On a personal note, this terrifies and angers me. Ben and I are good, hard working people who love children and devote ourselves to family. Money should NOT be a factor in us being able to try and conceive a baby. We pay a ridiculous amount for health insurance and the fact that ALL insurance companies have the option of covering fertility health is infuriating. For the most part, we are trying to stay positive and believe that this will somehow happen, but at times it is hard to see the light at the end of this tunnel. Please keep us in your thoughts and prayers and keep sharing our story! As I mentioned before, over 50% of the donations we have received have come from people that don't know us. The more people we can reach, the better our chances become.

Thanks again for all the love and support we've received thus far!




01/29/2014
by Stacy Littner
This will be a bit of a scattered-topic update but there's a few things I want to share. 

I had someone ask a good question today... she wanted to know if this website takes any of the donation money or if we receive 100% of it. We definitely receive 100%. That's why I chose this over other similar websites. They truly do not take a "cut" or charge a fee. Anything donated goes completely to Ben and I.

Also, I've had a few people want to donate but they didn't feel comfortable doing so online. That is totally understandable with all of the security issues happening lately. If you're interested in donating, but would prefer to send a check, click on the contact button at the bottom and let me know. I will send you my home address and once received, I can manually enter it into the site.

The last thing I want to say is a huge THANK YOU to those who have donated. Some of the donations have come from people who I love dearly, and it's reassuring to know they feel the same - even if we haven't seen each other in a while. What really blows my mind is that over 50% of our supporters are people Ben and I do not know. They've never met us, yet through the generosity and humanity in their hearts, they chose to help. All I can say is WOW. And of course, THANK YOU. 

Tomorrow I will be posting an update that is a little more personal and I'll talk about how we are actually doing right now. Thank you again for all of the continued love and support. Please share the fundraiser with the people you know. As you see, most of our supporters thus far are people who don't even know us!






01/28/2014
by Stacy Littner
THE FINANCIALS

As you can see, we entered a "goal" of $15,000. The only reason we even entered an amount is because we were required to by the site. The truth of the financials and what we are hoping to achieve is much different. 

Let me start by stating that while we do have health insurance, they do not cover any reproductive costs, including medications. There is a law in Illinois to help people get IVF, but there are a bunch of loopholes and there is one that has allowed our insurance company to get out of covering anything.

One cycle of IVF is $11,000. That does not include medications. Those run $4,000-$6,000, depending on the woman. If that one cycle does not work, we are basically left with nothing. No baby and money is gone. There is an excellent program that works with the clinc we are using called Attain IVF. They have programs where you can purchase "bundles" of IVF cycles at a discount, PLUS, if they don't work, you actually receive 50%-100% of your money back. That way, if you choose to move towards another avenue (such as adoption), you have that money back to help. FYI, I have had several people ask my why we don't just adopt. That is a complicated question to answer but it is ultimately more expensive than the IVF program we are looking at.

So here's the breakdown... again, even with Attain IVF, medications are not included so we already have to cover the cost of those being 4-6K. The package that would give us the best chances is called 3+3. This covers 3 live cycles and 3 frozen. The cost of this is $23,400. This "bundle" offers 70-100% refund if it does not work.

The next best option would be the 2+2. It is the same as above, but with 2 live cycles and 2 frozen cycles. This option offers up to 50% money back if it does not work. The cost of this package is $19,500.

Ben and I are ineligible for loans. I've already tried and been denied (which I knew we would be). This is not because we are too poor, but rather, because we have bad credit. Our credit problems stem from student loans, credit cards (used to live on when we couldn't find employment), etc... I KNOW this is something most of you can relate to. Our credit score should not be a factor in whether or not we can pay off a loan RIGHT NOW, but that's how it is. 

My AMAZING mother is going to apply for a loan in her name in a few weeks and we will be the ones making the payments. She has a much better chance of receiving approval (plus a higher amount and better interest rate), but even her credit is not perfect and is subject to disapproval. That's where this fundraiser comes in. We are not actually looking to raise all of the funds needed to cover IVF - although that would be a miracle. We are hoping to raise as much as possible so that the less we have to apply for in loans, the higher the chances are that we will get one.

I hope this update has helped made clear what we are trying to achieve and also helped people to realize we are not asking for large donations. Every little bit is that much less that we much apply for in loans.

Thank you for your continued support! 




01/23/2014
by Stacy Littner
We've gone public with our fertility problem for a day now. Honestly, it was terrifying. It still is. I can't really explain why it's so scary to share this, but I suppose it's because it opens the doors to people asking questions and giving opinions. Please give us a little time to get comfortable with the idea of so many people knowing something so personal. Given the right time, I want to be able to answer questions with ease and speak of it openly. I think it's a process. 

We did get our first donation! I have to thank an old friend for making that happen. Every little bit counts and I know she doesn't have billions of dollars rolling out of her bank! What she really gave us today was hope. Hope that maybe there are enough people out there willing to help so we can really do this. 

Lastly, I want it to be clear that we are working on and exhausting every other finanical avenue. Creating this page was a last-resort kind of situation. As I said, we are still "barking up other trees" but every bit from every place helps. 

Thank you for taking interest in our journey! I hope to have more good news to post soon :)


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