Miscarriage at 14 weeks

Today started as a very happy day. We went to get a gender ultrasound at 14 weeks 4 days only to be given the horrible news that the baby has no heartbeat. I went to the women's ER and they did another ultrasound to confirm. My baby is gone. The said the baby measured about 12 weeks 5 days. I've had no bleeding, no spotting, no cramping, I've had horrible morning sickness the entire pregnancy, and I've also had 2 different ultrasounds (at 8 weeks and 12 weeks) showing a healthy baby and strong heartbeat. Now I'm faced with the decision of having a D&C tomorrow or go to the hospital & be given medication to make my uterus contract & hopefully pass the baby. I'm so torn on this because I really don't want my baby torn to pieces by the D&C but I know passing it naturally is going to be very hard & painful & might not be completely successful. And then I don't know what to do after that....Id really like to cremated the remains or burial or something but we can't afford it. It really sucks not having anything physical to mourn and just have my baby be medical waste. This is my 3rd miscarriage but never this late, my first two were at 9 weeks and 5 weeks. I am incredibly blessed with one healthy 2.5yr old son, hes truly my miracle baby. I don't know why I'm posting. Maybe for advice, maybe not to feel so alone, maybe if someone else has gone thru a D&C and can five advice. I don't know. I'm just really devastated and sad and numb and overwhelmed.