IUI or IVF

Wondering if anyone is/was in a similar spot as me. We have slight MFI, husbands sperm count and motility are on the lower end but not horrible. dNA fragmentation came back 17%, so reasonable for us to try IUI apparently. He’s on Clomid right now to raise his counts but I’m so unsure about chances. I don’t want to waste money on IUI and then have to do IVF because of how little money we have for it. 😔 I’m only 26, but I’m upset that we might have to make a really tough decision.