Hey. I’m sorry for your sister but unfortunately I can relate. Almost the same thing happened to my family and we had to agree for treatment overseas just because of low funds we have. However I can agree with @woods, if you are able and have wish you can be a surrogate for your sister. She will cover your pregnancy related costs and only needs to find a lawyer to make the whole process legal till the end. I believe that low cost surrogacy is a myth. Of course, I came across $10k surrogacy but I can hardly believe that this is a total cost of the program. Most likely you need to double the cost and pay additional compensation to a surrogate.