Where to begin...

My husband and I have been TTC since November 2007. When we started, I anticipated that it might take a while but got easily impatient when it didn't happen right away. I am so used to wanting something, going after it, and getting it. I never would have imagined that a year and a half later I would be here typing my story; that I would be here, still childless (aside from our furbaby, Hercules). But that I would be here, as hopeful as ever that we will become parents, someday, somehow.
We have been through the wringer with testing. We were originally diagnosed as "unexplained" i/f but later came to find out we have issues with my eggs (high FSH) and his sperm (poor morphology). Our doctor tells us we have a 5% chance to conceive naturally. He recommends we move on to IVF which would increase our chances to 60%. We are completely OOP so that would cost us about 20 grand. I know you can't put a pricetag on a child, but these doctors seem to be able to! If we had the money, we'd do it in a heartbeat. We don't and now we have to decide whether it is better to live in denial or in debt.
We did get pregnant last summer. We lost it before it even sunk in. That gives me a little hope that it could happen naturally. The doctor says it might take us about 15 months versus a healthy couple who might take 3 months.
This month is our 23rd cycle. People who are TTC ask all the time when does it get easier. In one way, it does. I don't cry as much anymore. I expect the disappointment every month. And somehow I am still hopeful every month during my 2ww. I know I can't sit on the fence forever and it is going to take a lot of thought and consideration before I make any decisions on what to do. In the meantime, I just keep on hoping for a miracle....