Vonn, your stats are not great but OK for your age. I particularly find your 3-5 AFC encouraging. there is definitely at least one good egg in there somewhere waiting to be fertilised. I just wish IVF was for free

it really should be! How's your DH's SA (sorry I am sure you mentioned it before but I just cant remember)?
I do not really have any information on US clinics so cant comment on the price range. I just came across many ladies coming from the US for IVF treatment over here but cant say I have seen anyone going to the US for IVF. I just assumed it was price related. but as you say US is a big country so the prices must vary. I so hope you can find somewhere that would work for you.
re credit card charges, they sure do sneak up on you I made it a routine to deal with these things as soon as I get my pay every month but sometimes I also forget and it's just painful what they do to you. good luck, I hope you can sort it all out quickly.
re clinics abroad, I like Reprofit better actually when it comes to cycle but Serum's Penny was super helpful. I have a few things that I do not quite agree with how they run at Serum but I was so grateful for her input (and it did not cost anything). what you can do is send her completed form together with your test results and a list of questions and ask if she can take you on. She is very thorough in responding, basically this was the first time I got all my questions relating to immune tests (and I had a very long list!) answered properly, so grateful cos immunes are just way too complicating. she even called me directly one evening on my mobile and talked through my options - no other clinic did that. but money wise it's better to do stims there rather natural IVF. Reprofit was also fantastic as they did not even charge me when we had no eggs collected (although I understand they stopped this practice now). basically you just need to start talking to various clinics by email and see what responses you get and it will make you feel more confident about this or the other clinic or particular protocol and maybe some further tests.
btw, what about mexico? are there any good and affordable clinics there? cuba could also be an option and it must be cheap there. I've heard they have pretty good medical standards (but cant be absolutely sure it's true). what about Canada?
terripeachy, thank you. I hope you are doing well? I am fine, just taking it one step at a time...