Paying for fertility treatment can be stressful, but financial help is available. This guide gathers active grants, scholarships, and interest-free loan options in one place so you can submit applications with confidence and reduce any out-of-pocket costs.
Looking for ways to save on fertility medications? Visit our Medication Savings page.
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Grants and aid programs can meaningfully reduce the out-of-pocket costs associated with fertility and family building.
Awards may be paid directly to your clinic or agency, or reimbursed after treatment, and some include medication support. Each program has its own rules, timelines, and documents, so the right next step is choosing a few that best fit your situation.
After your first conversation with our team, we will help you gather the paperwork most programs request and map deadlines to your treatment plan so you don't miss application windows. If a program is tied to a partner clinic or specific procedure, we will explain what that means for scheduling and costs.
You can often combine grants with insurance benefits, employer coverage, and/or interest-free loans to close remaining gaps.
Explore three unique paths to funding your family-building plan.
Before sharing personal information or paying any application fees, take a few minutes to confirm that the organization you’re applying to is legitimate. Unfortunately, scams occasionally target hopeful patients, so it’s important to approach every opportunity with care.
Start by reviewing the organization’s official website and making sure the web address matches the organization’s name (avoid sites with misspellings or odd domains).
Look for clear contact information, application timelines, and past recipient stories. Reputable grants typically disclose their nonprofit status, partners, or sponsoring foundations.
If you’re unsure, search for the organization in charity databases such as GuideStar or the IRS nonprofit lookup tool. You can also ask your Illume Financial Coordinator to confirm whether a program is recognized or recommended.
The information on this page is provided for educational purposes only. Illume Fertility does not endorse, recommend, or guarantee any specific grant, loan, or financial assistance program listed here. Program details, eligibility requirements, and funding availability may change. Always verify current information directly with each organization before applying.
For Individuals & Couples
For Residents of Specific Areas
For Oncofertility Patients
For US Service Members & Spouses
For Specific Conditions & Groups
Create a simple plan to stay organized and reduce stress.
Build a calendar that lists each program’s application window, due dates, and expected decision timing. Add reminders one week before every deadline. Include your target treatment start date so your application plan and clinical plan stay aligned and don't delay care.
Gather commonly requested documents and save them as clearly labeled PDFs. Include infertility or medical diagnosis letter, recent financial documentation, insurance details, and clinic estimates. Having these ready helps streamline the process.
Tell a concise, sincere story that connects your medical need, the plan your doctor recommends, and how receiving this funding will change your timeline. Be specific about what the award would pay for and why now matters. Close with appreciation and your next steps.
Prioritize the programs that best fit your situation, then apply to several so you are not relying on a single outcome. Confirm whether awards can be combined and how funds are disbursed (to you or your clinic). Consider pairing a grant with employer benefits or a zero-interest loan to close any gaps.
Let your Care Team know that you are applying for financial grants so verification calls and form requests don't slow decisions. Ask for your team's recommendations and confirm which documents they can provide on letterhead. Share your tentative timeline so scheduling and award dates line up.
If you aren't selected, refine your materials and try again in the next award cycle. Update financials, clinic estimates, and your personal statement to reflect any progress or new constraints.
Persistence matters - many award recipients succeed on a second or third attempt!
