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Do You Get Financial Help if You Adopt?

Where to Find Adoption Financial Assistance

Many hopeful parents are left facing the same question shortly after they begin considering adoption: how are we going to afford this? Do you get financial help if you adopt?

The adoption process can be long and complicated. It follows state and federal laws, as well as other regulations. There are mountains of paperwork for legal procedures, not to mention the many other practical aspects required to complete a successful adoption. These things add up, and they leave families searching for adoption financial assistance.

There has to be help out there, right? Even for the many families consider adoption who are in stable financial situations, few have the needed funds immediately available. If you’re searching for financial help for adoption, there’s good news. There are a variety of ways to receive financial aid for adoption, and this guide will help you find one that works for you.

Why Many Families Need Help with Adoption Costs

Depending on how much research you’ve already done about adoption, you may still be left wondering why the cost can be so high in the first place. Many people are surprised when they learn for the first time that private adoption can cost up to $50,000. While not all adoptions will reach this cost, Adoptive Families Magazine has reported that the average cost associated with the domestic infant adoption process is $43,000. It’s no wonder most families search for adoption financial assistance.

What makes up this cost? First, let’s make sure we understand what is not being paid for: the child. Adoption is not a transaction where a family pays for a baby. Rather, the costs are incurred due to the administrative, legal, medical and other practical needs of the adoption process. While it’s fair to see some of the costs as unfortunate, they are necessary to complete safe and legal adoptions.

To complete an adoption, there are many professionals involved:

  • Adoption specialists

  • Social workers

  • Attorneys

  • Medical professionals

  • Courts

  • State-level administrators

  • And more

Typically, the cost of adoption is made up of the funds necessary for all these professionals to do what’s necessary to complete an adoption. The other portion of adoption costs incurred by adoptive families is variable adoption costs, which are primarily made up by prospective birth mother expenses.

The total cost of adoption is not paid out at one time. However, it is common to make large payments during the process, and it is recommended that you have a budget set and a plan to pay for all adoption expenses from the beginning. Since most families don’t have an extra $40,000 or $50,000 lying around, it’s common to ask: “Do you get financial help when you adopt a child?”

This is where financial assistance for adoptive parents can be so helpful.

Do You Get Financial Help is You Adopt?

As you can see, it’s clear why many the families may need help with adoption costs. But, do you get financial help with adoption? Is it guaranteed?

Unfortunately, there is no way to guarantee financial help for adoptive parents. This is why the adoption specialists at American Adoptions advise families to do everything possible to budget for the total cost of adoption. No one should assume that financial assistance for adoption costs will be given to them. There are, however, opportunities to find financial aid for adoptive parents that are worth looking in to.

Financial Help for Adoption

So, where can a family find adoption financial aid to help with adoption fees? There are plenty of options. Depending on your financial situation, and how far into the adoption process you are, some forms of adoption financial assistance will be available, while others may not. It’s always a good idea to consult a financial planner about any of these choices along with your own research, if you are able to do so.

One of the most popular forms of financial assistance for adoption costs is adoption grants. Grants are typically awarded by a nonprofit organization, and families do not have to pay them back. An adoption grant is, essentially, a gift. The appeal is obvious. This type of financial support for adoptive parents does come with some challenges — you have to apply for each grant, you may not be awarded grants you’re counting on — bit the potential benefits far outweigh any frustrations.

A counterpart to adoption grants is adoption loans. Adoption loans are like standard personal loans. They typically come from a financial institution, have a set payment plan and include interest. Some adoption loans are better than others. Taking out any loan brings some level of financial risk, and many financial planners would advise that a loan be a last-resort form of adoption financial aid. However, many families have found adoption loans to be helpful.

Other adoptive families have found help with the cost of adoption through fundraising. Adoption fundraising is an opportunity to be creative and get your whole community involved in your adoption journey. If you already have other children, it’s also the perfect opportunity for them to contribute to the adoption. There are so many fundraising ideas to try.

Financial Help for Adoptive Parents from American Adoptions

Many hopeful adoptive parents considering our agency ask: Do you get financial help when adopting through American Adoptions?

The above options are a source of financial help for adoption for many couples. Another vital place to find adoption financial support is with American Adoptions. While we do not provide conventional help with the cost of adoption in the form of grants or loans, our adoption specialists are dedicated to your best interests in the adoption process. That means we’re looking out for your budget — from planning the budget at the beginning of the process to doing everything possible to avoid any surprise expenses.

To help with adoption fees, our specialists work hard to find an adoption opportunity that will stay within the budget you set. And our agency fees are fixed, meaning we’ll never spring new costs on you as the process goes on. We’re always completely honest and transparent about the cost of adoption. We work hard to make sure you are totally prepared for a successful adoption process.

You can call 1-800-ADOPTION at any time to learn more about adoption financial aid or how to get help with adoption fees. Our adoption specialists are available 24/7 to answer your questions. You can also request more free adoption information online.

Disclaimer
Information available through these links is the sole property of the companies and organizations listed therein. America Adoptions, Inc. provides this information as a courtesy and is in no way responsible for its content or accuracy.

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Frequently Asked Questions

Do we need to retain our own attorney?

No, American Adoptions has established relationships with some of the best adoption attorneys in the nation. Because adoption laws vary from state to state and between counties, it is important to utilize the services of an adoption attorney who specializes in the state where the adoption will finalize, which is unknown until you match with an expectant mother. You have the right to retain your own attorney, but doing so may be an additional, unnecessary expense.

Can we choose the gender of our baby?

American Adoptions accepts a limited number of families into our gender-specific program. Please contact us at 1-800-ADOPTION to learn whether we are currently accepting families into this program. With this option, families pay an additional Gender-Specific Fee to help our agency locate and work with birth mothers meeting this additional criterion. This fee is in addition to other program fees and covers additional advertising. The fee is not considered part of your adoption budget. Please note that gender specificity will likely increase your wait time significantly.

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