Um ok honestly they can come up with 15K. It’s not THAT much money. They can take part time jobs and save. I’ve seen people earn 15K in two months doing schedule 1 drug tests. (Usually it’s about a 2 week obligation and pays between 2-8K though, doing 2 or three throughout over a year would get them enough and they could start trying the next year) ***they need to be healthy and probably under a BMI of 32 for most of these, and honestly if they are unhealthy or overweight then first treating those issues could possibly make fertility treatments unnecessary , yayyy free baby! they could drive Uber, they could rent out their place on AirBnb, they could babysit, dog walk, clean houses, clean gutters, they could sell one of their cars. They could teach English online part time for pretty good money. I mean obviously all of these options aren’t open to them but if they want a kid THAT badly and they really can’t figure out how to get only 15K they are going to be struggling their asses off when they actually have the kid. If anything I would tell them that you can’t help them but that you would be willing to sit down and talk with them about other possible strategies that may be available for them. (I can totally understand why you would not even want to get that involved though) otherwise just stay away from them, and they will figure it out. I’m sure they are all upset and they will figure it out.