Need advice..

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I have a friend who's been married for 8 years now. They have difficulty having a baby. She's been under medication and have tried methods on how to have a baby but still unsuccessful. Her doctor says that she still have chance to have their own baby if she'll go on operation which will cost half a million ($100,000 if converted to USD). But this is only 60% chance. They have that money but how about their other expenses. Their house, food, mortgage, insurance and a lot more. And the fact that there's no assurance after the operation if they would really have a baby. This is what bothering her for how many months and can't think of solution to their problem. They really want to have a baby. She's considering the operation and other than they are thinking of adopting or a baby maker. She's asking me an advice on which to choose among the three. I am also thinking about it. I want the operation coz I am still hoping that they would have a baby of their own. She might ask help from their family and friends for financial assistance but Im thinking what if the operation didn't work. I just want to think positive and hope everything will be ok. If you were my friend, what will you choose? Need your advice. Thanks in advance..=)