u/Sudding-Mingzhu

hey everyone, looking for some real financial strategy advice from this group. my partner and i are looking at starting ivf soon and our insurance covers exactly $0 of it. clinic quoted us around $25k for the first round including meds.

we have about $10k saved up in a high-yield savings account that we can pull, but we want to finance the rest so we don't completely wipe out our emergency fund.

i'm trying to figure out what the best personal loan for fertility treatment is without getting scammed by high interest rates. our credit scores are both in the mid 700s and our combined income is around $140k.

has anyone here used a standard personal loan (like sofi or lightstream) vs a specific medical/fertility lender like future family? i've heard fertility lenders sometimes bundle things nicely but their apr can be higher. also open to hearing if anyone just opened a 0% apr card and ran the numbers that way.

any insight on how you structured the debt for this would be amazing. thank you!

I asked this to my team last week and got like 5 different answers so now im asking strangers on the internet. we onboarded maybe 3-4 AI tools this year for content, reporting and scheduling. Some of them stuck, most of them just became another login nobody opens. The ones that helped were the ones that connected to stuff we already used, not the shiny standalone ones that promised everything in the demo. Im thinking if other marketers went through the same thing like which AI tools actually made it into your real workflow and which ones got quietly abandoned after the trial ended