If your state does allow private adoptions, where the birth mother and prospective adoptive parents find each other, there will still be some fees associated with the adoption. These fees may include advertising online to locate a birth mother. Again, this is not allowed in every state. As indicated above, if your state requires you to utilize an adoption agency, they may charge a lesser fee than if they facilitated the match between birth mother and adoptive parents. You may also want to consult an attorney if you are pursuing a private adoption. Not only will you know what your rights are regarding the adoption process but it also might give you peace of mind as well. In some states you can use an adoption attorney to facilitate the adoption process and will pay whatever they charge and whatever their hourly rate is. Again, this is not one size fits all either. Make sure you consult with more than one adoption attorney before choosing the one that fits your family’s need the best.
5. Your "baby book" may not begin at birth. If you're planning to be at your child's birth or to adopt her as a newborn, then you'll be fortunate enough to have some very early photos of your baby. In this case, your baby book may also include pictures of your child's birth mother and possibly her birth father. But if you're adopting an older baby, or perhaps an older child, you may not have access to many early baby pictures. (For instance, if you're adopting a child from overseas, you may have only the referral photo you were sent, and possibly one or two others.) On the other hand, your child's baby book will probably include lots of pictures from the day you adopted her and/or the day you brought her home and of the people who cared for her in a foster family or orphanage.
Also, each country has its own country fee (a flat amount set by that country for adopting from it), which varies wildly from country to country. For instance, South Africa has a country fee of $4,000 per child, while other country fees, like Colombia, can be upwards of $10,000. Then there’s the cost of the child’s passport, visa, and medical exam ($500-$1,500), including hiring a doctor with experience reading international medical records to review the child’s information. It all keeps adding up.
There are many options out there for covering adoption costs. Some people have worked a second job, made significant cuts in their spending, or saved for several years in order to finance an adoption. Others have taken out loans, borrowed against their 401K, or taken advantage of an employer’s adoption benefits. Adoption grants are out there, but there are far more applicants than funds available, so grants cannot be counted on for funding. Finally, some people do fundraise, though within the adoption community, this has a very mixed reception. And remember, as you will see, some forms of adoption cost less than others. If you qualify for adopting from foster care, and that is something that fits your family, then it can be an affordable adoption option.
Adoption touches the lives of everyone involved and that could include your coworkers, friends, family, and even pets! If you have a spouse or partner, make sure that they are on the same page and have the same level of commitment as you. If you have other children, it is important to introduce the topic and consider their feelings towards a new addition.
Breaking down all the costs really answers the question of “Why is adoption so expensive,” and it gives you a greater picture of how quickly and enormously costs can add up. In a hypothetical domestic adoption situation, the fees could reach over $20,000 quite quickly. If a home study process costs prospective adoptive parents $3,000, and the application fee for the agency is $500, that is already quite a large amount right out of the gate. Also, there is a match fee of $1,000 as the prospective adoptive parents have not self-matched. The birth mother expenses may easily reach $5,000, and hiring outside legal counsel for her could equal that amount. If the prospective adoptive parents live in Florida, but the child is being born in Ohio, they will need to account for travel, lodging, and food. After airfare, food, and lodging for the four weeks of their ICPC stay, they have easily spent $6,000. They also have paid for counseling for the birth mother at the cost of $1,500 and their post-placement visits of $1,250. While each fee seems small on its own, these adoptive parents have reached finalization at a final cost of $23,500. This figure being only hypothetical and does not account for unexpected expenses or the possibility of financial loss with a failed adoption.
After a child is born or a child is placed in the care of an adoptive family, there may still be more fees for the adoption process that occurs post-placement. The birth mother may still require some final expenses, typically for up to six weeks after placement of the child. Many states also require for the birth mother to be offered counseling after the birth of the child. In domestic adoption, most states require a set amount of post-placement visits to occur with the adoptive family and their new child before an adoption can be finalized. These visits typically occur once a month until the finalization of the adoption. Some adoption agencies or adoption professionals will charge per post-placement visit or may charge one flat fee. The agency my husband and I used charged $1,500 for six post-placement visits.
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The average agency adoption can cost anywhere from $20,000 to $40,000. Now, before you get blown away by that number, let’s explore what costs are covered by this number. An agency adoption completes the entire adoption process from start to end. These individuals are licensed and trained in their field. They have experienced numerous different types of scenarios regarding adoption and are prepared to be with you every step of the way. However, let me urge you to know what costs are expected out of you upfront. Most adoption agencies will have a fee schedule notifying you of what to expect. This is usually laid out in one of your first meetings with your agency or through your informational/parenting classes that are required by your agency. I will also advise you to find an agency you feel comfortable working with. Adoption is a very personal experience and working with someone you can trust is very important. Again, I reiterate, find someone you feel comfortable with and trust and get a detailed description of the costs and fees associated with each adoption.
AdoptionLife.org is a licensed private agency specializing in infant domestic adoptions. Private adoption agencies, such as AdoptionLife.org, work with expectant parents who have chosen to make an adoption plan. We provide support, counseling and advocacy throughout the entire process. We encourage expectant parents to choose a prospective family for their child based on shared information and regular contact. Private adoption fees average between $30,000-$40,000 and may include the following:
I know these numbers seem staggering and you probably think you cannot afford to adopt a child, but there are ways to “offset” some of these expenses. As I mentioned earlier in the article, talk with a tax professional to discuss what options may be available for in regards to the adoption tax credit and/or adoption assistance programs. You may also be able to apply for grants. A simple Google search for “adoption grants” will result in hundreds of possibilities. Applying for grants takes time, however, it usually pays off in the end. You may also be able to apply for a no-interest or low-interest loan to cover your adoption expenses. There are several online resources for that as well. Get creative with fundraising. I know it seems silly to be asking people to help pay for a child, however, you will be surprised at how willing people are to help you. Have a garage sale. Have a bake sale. Create an online shop for something you make by hand. Start a 5k run/walk. Provide concessions at events. The possibilities really are endless, you just have to be willing to try.
I emailed them back and got off that mailing list, but the number stuck with me. I'd received a lot of info about my son's adoptive family when I was in the process of placing him, including their occupations, salaries, and debt. However, it had never occurred to me to even think about how much they were paying the agency, or the expense adoption must have meant for them.
– Agency Fee – The agency fee is whatever your agency charges to act as your adoption agency. These fees can range from $1,000 to $15,000. This is where it is hard to say just how much an adoption costs because there is such a wide spectrum of amounts charged. I can tell you our agency fee was $3,000, a little on the lesser side, but we loved our social worker and loved working with the agency we did.
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Attorney fees can range from pro bono to the moon. Other professionals involved in a private adoption might include a facilitator or consultant to connect the adoptive family with a birth mother, though 26 states “prohibit the payment of any fee for connecting an adoptive family with a pregnant woman or obtaining consent to adoption,” according to the Child Welfare Information Gateway. And this is part of what you’re paying for when you pay an accredited agency: You know that they’re legitimate, not a profiteer merely claiming to be able to connect you with birth parents.
One of the first steps in almost every adoption process in the adoption home study. This process will typically include FBI background checks, interviews, home visits, and a whole lot of paperwork required to be submitted by the prospective adoptive parents. The prospective adoptive parents will also need to complete education or training related to adoption that may be an additional expense. A home study will need to be completed by a licensed adoption professional. As with most fees that come will adoption, the cost for this process will vary depending on the adoption agency or adoption attorney used. The price for this process when it comes to domestic and international adoption usually ranges from $1,500-$3,000, while a home study in a foster care adoption is typically little to no cost.
Coat color. Regardless of hair length, cats shed. If you're someone who has a pristine white or light-colored living room and wish to keep it that way, you probably wouldn't be happy with a dark-colored cat. Similarly, if your wardrobe includes a lot of black or navy and you plan to cuddle your kitty, you should probably skip a white or light-colored cat.