The loans typically are unsecured and carry interest rates of as much as 22%, more than the average credit-card rate of around 17%. The rates offered vary based on the lender's evaluation of a patient's credit-worthiness.
Fertility finance is "pretty much a recession-proof business, since the biological clock doesn't stop," says Doug Weiss, senior vice president of IntegraMed America Inc., a fertility-clinic operator based in Purchase, N.Y.
![[IVFLOAN]](http://si.wsj.net/public/resources/images/MI-BN698_IVFLOA_NS_20120223180003.jpg)
I'd hate to see that foreclosure hearing.
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