Ivf question

I was wondering how everyone affords ivf??

It’s 12-14k where I’m at. I mean. I could take a loan out...my husband and I just bought a house, we don’t have any debt other than our mortgage, but I can’t see going into debt to have a kid! I mean I WANT to, but idk if that’s “right”

I really was just wondering if I’d be a bad person to take a loan out. Or if I can’t afford it, and don’t have the money in the bank to pay up front, I shouldn’t even do it.

I’m 24, and I don’t/havnt told anyone about my issues other than my mom and husband. So I can’t just get opinions from friends. Sorry if this sounds idiotic...