our daughter
return to homepage Sam and Grandpa

How To Pay Adoption Costs

Having to pay adoption costs is a big part of the reason many parents are hesitant to build their families through adoption. The economy is shaky and adoption costs are so high, they're frightening. Is adoption even possible?

The answer is a resounding yes. If you can buy a car, you can certainly pay for an adoption. my three children

What Will It Cost?

The cost of an international adoption will depend on many factors, including the country you choose, the agency and the children you are adopting. At the time this page was written, you could expect the cost to range anywhere from $19,000 to $35,000 dollars and up.

Don't let the numbers frighten you. It is possible to pay adoption costs. Here are several options available to you to help finance your adoption.


The easiest way tp pay adoption costs is to take out a loan, and many people choose this option. You will need some sort of equity of lasting value, such as your home. You will also have to have a good credit rating to be able to qualify for a loan. Go for as short of a payback term as possible, such as a five-year loan as opposed to a ten-year loan. Even though the payments will be higher, they will be well worth it, as you will end up paying lower interest in the long run and will have the loan paid off sooner.

When looking at a loan option, take the time to shop around and find the best rate of interest. A difference between six percent and seven percent makes a huge difference over a number of years.

And while taking out a loan may seem like the only option available, trust me: it's not. There are many other ways to pay adoption costs without taking out a loan. A loan is a form of financial bondage. You don't want to start parenthood owing more money than you have to. I would urge you to think long and hard before taking out a loan and exhaust every option before taking this route.

At the very least, pay as much of your adoption costs as possible through other routes before taking out a loan.


It doesn't matter how low your income is, you can always cut back on costs and save a ton of money in the process. Rick and I paid for two adoptions without going into debt by being careful with our money and living frugally. And what is Rick's profession? A doctor? A lawyer? Rick is a carpenter working for the state. We're certainly not rich. If we could pay adoption costs without going into debt, you can too.

Employee Benefits For Adoption

Many employers offer adoption benefits. Check at your job to see if you qualify for this benefit.

Have You Held a Successful Fundraiser?

You can help others in their efforts to bring a precious child home by sharing your successful fundraiser experience.

Just go to this link and fill out the form at the bottom of the page.


Hold a garage sale, sell cookbooks or hold a benefit dinner. Buy candy in bulk and sell it. There are all sorts of ways to raise funds to pay for your adoption. This excellent resource will show you how.

Finding Grants

All sorts of ministries and organizations are offering grants to help pay adoption costs. Usually you will have to fill out an application form and write a letter describing why you want to adopt. Taking the time to pursue these grants is well worth the effort. They can be a source of thousands of dollars.

Adoption Tax Credit

If you live in the United States, the government will allow up to $10,000 of your adoption costs to be taken off your taxes, a great way to help pay adoption costs.

Website Business

The number of people going online these days is growing exponentially, and your opportunities for an online business are growing as well. Do you have a passion for puppy dogs? A knowledge about Star Wars memorabilia? Some fabulous beef jerky recipes? It doesn't matter what your passion, you can earn money for your knowledge. To learn more, click here. To order, click here.

Other Helpful Sources

Ask many couples why they don't adopt, and they'll say finances are what are holding them back. But it doesn't have to be that way. My husband and I had a limited income, yet we were able to adopt three children, including one child from Guatemala without going into debt. You can too. Here's how.

Are you thinking about pursuing an international adoption? Developing a plan for how you'll pay for that adoption is the first step you should take. Here are some ways to get started.

There are many ways to fund an international adoption. Learn different ways by clicking here.

Uncle Sam also wants to help you with your adoption costs through a tax credit. Learn more.

If you're looking for more details about the tax credit, you can read more by clicking here.

Grants are a great way to help with adoption costs. Find agencies that offer grants by clicking here.

Want to learn about more places for grants? Here are some more great places to apply.

It is possible to find an international adoption you can afford. Here are some ideas to help save money.

Still wondering how you're going to pay those adoption expenses? Find more ways to raise funds by clicking here.

A garage sale is a great way to raise adoption funds. Learn how to finance your adoption by clicking here.

Intimidated by high adoption costs? Don't be. Paying for your adoption involves taking one step at a time. Find some more tips by clicking here.

So how much will your international adoption cost? The answer will depend on the country you choose and whether you choose to go through an agency or pursue an independent international adoption. Learn more here.

Fundraisers are a great way to pay for your adoption. Learn about some fun ones by clicking here.

The best kinds of fundraisers are fun, fairly simple to organize and - naturally - bring in the most funds for your international adoption. Learn more.

Making and selling gift baskets are one creative way to raise funds for your international adoption. You can read some tips on making an appealing basket by clicking here.

Thinking about taking out a loan to pay for your adoption? Read this article first by clicking here.

If you want to pursue a loan using your home as equity, there are important things to know upfront. Learn more here.

One of the easiest and most effective ways to pay for your international adoption is to learn to cut back on costs. Here are some easy ways.

Do you love doughnuts? You're not alone. Help pay for that adoption with a doughnut fundraiser. Learn more here.

When making plans for raising funds for your adoption, don't forget to include friends and family. Learn how to write a letter to solicit funds and help by clicking here.

More and more companies are now offering adoption benefits, so it's definitely worth your while to check and see if your company offers such benefits. Learn more.

Great Fundraisers!

Use a raffle to raise funds for your adoption. Learn more.

Sell t-shirts and pay for your adoption with a t-shirt fundraiser. Read more.

Read one person's story about raising funds for her adoption with a Garage sale fundraiser.

A benefit gala is a fun way to pay for your adoption. Read more.

How about a chicken dinner for raising funds. You can read all about it by clicking here.

One adoptive parent used a roller skating fundraiser to help with adoption costs. You can read her story by clicking here.

While you're doing one fundraiser, why not combine it with another one? Learn how.

Looking for a low-cost, simple way to raise funds? How about the pasta fundraiser? Read more.

A taste test party is another great way to raise funds. Learn more about it by clicking here.

Using the cash bash to raise funds for your adoption. Learn more.

A jigsaw puzzle fundraiser is a fun way to raise money for your adoption. You can read about it by clicking here.

Return from Pay Adoption Costs to the Home Page.

Pay Adoption Costs
Without Going Into Debt!

Adopt Debt free will provide you with the tools and techniques to completely pay for your adoption and bring your child home without having to go into debt!

Ready to learn more? Click here!.

Subscribe to My Free Ezine!

The International Adoption Ezine will keep you up to date with everything happening on International Adoption Facts and Information, as well as provide helpful tips about the adoption process, fundraising and raising your adopted child. Best of all, it's free!

Click Here to Subscribe.
Facebook Logo

Enjoy This Site?
Then why not use the button below, to add us to your favorite bookmarking service?

Template Design
Copyright© 2012.