The American Society for Reproductive Medicine, which represents fertility specialists, launched a Preserve Your Fertility campaign in 2001, which included an upside-down baby bottle that was an hour glass.

WSJ: More Doctors Broach Subject of Women's Age and Fertility

The American Society for Reproductive Medicine, a trade group representing fertility doctors, doesn't have a policy on doctors making the loans.

WSJ: In Vitro a Fertile Niche for Lenders

The American Society for Reproductive Medicine acknowledged in a 2004 report that fertility programs may withhold services when they can provide "well-substantiated judgments" that the child will not receive adequate care.

CNN: Commentary: Are eight babies more than enough?