advice!!!

Hey everyone, I need a little advice. Hubby and I have been ttc for a little over a year, 6 months with Clomid 150mg ( I have pcos and endo). We got his sperm tested and the doc said he has low morphology around 1% 😔. I have read online that IUI isn't worth doing with low morphology? Has anyone else heard this? I live in MI so nothing is covered. IUI is gonna cost 600$ and IVF starting at 8150$ with no help from insurance. Should we go straight for IVF and get the loan for it or should we do a IUI cycle? I'm just so tired of waiting 😔😔

Thanks in advance!!!!