Opinions and suggestions needed please

Tara • We have been married 2yrs and have been together 4yrs. We are currently ttc.
My dh and I went to the dr a few weeks ago. We were trying clomid and that failed to get any folicals to grow at all. Tried 100mg and 150mg. We had a consult with him and he gave us 3 different suggestions. We could try femera, we could try fsh shots both with <a href="https://glowing.com/glow-fertility-program">iui</a> or we could go with <a href="https://glowing.com/glow-fertility-program">ivf</a>. Our chances with femera to conceive r 10%, with fsh shots 15%, and with <a href="https://glowing.com/glow-fertility-program">ivf</a> 50%. Well of course we wanted the greatest chance to get pregnant.....so we discussed <a href="https://glowing.com/glow-fertility-program">ivf</a>, we went to the required meeting, and then came the financial talk with the nurse. HOLY SHIT!!! Pardon my language but where do we come up with $13,000??? We both make a decent living but really have no credit.....we pay cash for everything except our cars(which we pay on time) but our score isn't high enough to qualify for a loan. Looked into my 401k and i don't have enough of my personal contributions to make that much of a difference. We r heart broken and upset. Do we continue to try with shots and <a href="https://glowing.com/glow-fertility-program">iui</a>?? We r both 35yrs old and don't want to waste another yr of trying stuff that isn't gonna work.....any suggestions or success stories would be great as we try and figure out how to pick up the pieces and go forwards. Thanks in advance!