Dear Bugs Your best bet would be to phone an infertility clinic and ask the staff how others manage to afford this expensive treatment ~ after all, not everyone who needs IVF has the means to pay such outrageous fees. They may have a system whereby you can pay it off.
Alternately, you would have to take out a bank loan to cover the costs.
Some medical insurance pay a percentage every year towards infertility, so find out which ones and join now as you will need to be a member for a while to qualify.