Sarah Short remembers being 19 years old, staring at the bill from the hospital where she gave birth to her daughter. It added up to about $10,000. "There's the anesthesia, the hospital stay, and the doctor—and I just laughed," she tells me. "I was like, 'I can't pay this.'"
Sarah had health insurance, but it didn't cover obstetrics. And she'd waited too long into her pregnancy to apply for Medicaid. She felt guilty about bringing so much debt into her new marriage—she married her boyfriend right before her baby was born—and when the bill went to collections, the dollar amount climbed even higher.
"I would just get so overwhelmed and I would be like we're never going to be able to get out from under this," Sarah told me. "And it felt like it was all my fault." So, she started researching ways that she could make money to pay off her bill. She tried to sell her eggs, but says she wasn't what the clinic wanted in an egg donor. "But you're a great candidate for surrogacy," she remembers