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7 Ways to Afford the Cost of Adoption


One of the major reasons people don't pursue adoption is the cost of adoption, especially international adoption. Many every day people have added to their family through adoption without going flat broke. Here are a few ways to help with adoption costs.

1. Adoption Grants & Adoption Loans

Mother and Daughter
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A list of different organizations that offer adoption grants or low interest adoption loans to families interested in adding to their family through adoption.

2. Non-recurring Adoption Expenses

Adoptive families of special needs children can apply for non-recurring adoption expenses to be covered with special subsidies to help with the cost of adoption. Be sure to check the definition of special needs adoptions in your state. Some states will help families adopting internationally as well. It never hurts to ask.

3. Military Adoption Benefits

Military families may be able to afford adoption costs with reimbursement from their military branch.

4. Employer Sponsored Adoption Benefits

Over the years more and more companies are offering adoption benefits to their adoptive parent employees. Typically these benefits come in three different ways: adoption information, financial assistance and parental leave polices. Does your employer offer adoption benefits? Also, look into the Adoption-Friendly Workplace Program for a listing of the companies with the best adoption benefits.

5. Purchase of Service

Another way to afford an adoption is through purchase of service. Purchase of service is an agreement between the child's and adoptive family's adoption agencies. Ask your adoption agency to learn more.

6. Get Creative with Adoption Fundraising Efforts

A few fundraising ideas to help offset some of the high costs associated with adoption.

7. Foster Care Adoption

There are several hundred thousand children waiting in foster homes for an adoptive family. Foster care adoption is a little to no cost way to add to your family. Consider exploring this adoption avenue and help a waiting child or two.

8. Adoption Tax Credit

The adoption tax credit is another way to afford the cost of an adoption, especially an adoption finalized in 2010 or 2011, because the amount is now refundable.

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