Olga abd jenny fertility treatment

My name is Olga. Me and my partner Jen have been together for 22yrs. We were both in the military. We always planned on having kids just the time has never been right. There was always something else to check off the list. Now we are having a ton of regret. We are now in our late 30's and our family is not complete. I do not want to regret not having kids. It means so much to both of us. The cost is very expensive and insurance does not cover anything in oklahoma. We are consulting with a fertility clinic now. Trying to figure the most cost efficient way possible. Anything donated would be greatly appreciated. Anything at all. To be called mom would mean everything in the world to me.