Have you looked into ARC (advanced reproductive care)? We didn't end up using them, but would have if it had come to that. They allow you to work out a payment plan and in some cases, you can even purchase "insurance" in case the procedure doesn't work, and you get a portion of your investment back, though it isn't so cheap. There are a lot of very reputable clinics that work with them.
We moved back in with my folks, partially to afford IUI and my laparoscopy (out of network), and partially because I wanted to be able to finish school after the baby was born, without having to work. It hasn't been easy, though we definitely have some other issues at play that complicate the situation (mom has mental health issues, family isn't willing to 'change their lives for your baby', ugh). Aside from the issues which are unique to our situation, I will say this - the loss of the independence of our family, and the loss of having my own space and my own home in which to raise my child, has been more difficult than I imagined it would be, and is something I grieve over often. I suspect it would have been the same even if my mom was healthier or the rest of my family more accommodating, though maybe to a lesser degree.
That being said, if this is really your only option, I really believe that anything is worth building your family. But if there was a way to do it and maintain your independence (like ARC), I would do all you could to do that.
Good luck mama . . . .