in your case it depends with how much you have. Infertility tends to be costive. This is due to the services. Many services offered are usually expensive. In your case an agency will more expensive. When you are dealing with an independent it looks rather better. But all in all the decision is yours. I think both offer nearly the same services. It is just the agency have more protection. They have the legal work and also a lengthy procedure to follow up. However, the price might be high but with it. When I talk of the independent they do not have ,much of legal work. Most of them are cheaper compared to agencies. But when yo go to the hospital this one also varies. Some clinics have agencies which they work with. That means to have surrogacy in that clinic you have to use their agent. While other give you the freedom to choose.