IVF thoughts

I am just thinking...if we end up needing to have IVF what will that cost us? I THINK we have coverage on 3 cycles (in a lifetime) but the average cost is $25,000 each. I am not sure how much we will need up front plus the meds. If we don't succeed with IUI this cycle Kevin and I want to try one more before moving on. But the reality is we do not have extra money in the bank. We literally live paycheck to paycheck and cant afford getting a loan to invest in something we aren't sure will even work! We don't want to ask friends for money because everyone I know live on a budget. IVF is our last chance at conceiving  we deff dont have the money to adopt or pay someone to carry a baby for us. I am trying not to stress but I cant help it. I am actually having a panic attack. Each failed treatment cycle crushes my spirt and the hope in my heart fades. I don't know what to do or where to start. We don't have the time to wait the clock is ticking each month that passes. At each oncologist check up I am grateful I am still cancer free. but we  dont really know that for sure its only an educated guess. The only way they will know before cancer invades my body is to get a hysterctomy and test the layers of my uterus that aren't easy access. Sorry this post is a little all over the place. These are the thoughts that are invading my mind. These are my worries and fears. I am afraid thay we will never have a child together...we will forever be alone. Time for bed and to cry myself to sleep. I can only hope tomorrow is better.