Tuesday, November 22, 2016

How to Afford Adoption

The number one thing that I hear as to why people don't adopt is because it is too expensive.  While adoption can be expensive there are also some types like from the foster system that are virtually free.  Also, there are lots of ways one can pay for adoption including but not limited to:  fundraising, saving, grants, loans (there are even 0% interest loans) and utilizing adoption tax credits (doesn't help until after adoption is finalized though).

Here I will talk about each of those and give a few ideas on the fundraising from our personal experience.  You can check out the rest of this Adoption series here, here and here!

1. Slowing (or not so slowly) Saving:  

Once we announced we were adopting we saved half of each of my paychecks and by the time we were ready to apply we had saved over $10,000 that way alone.  Yes it took several months (like almost an entire year), but it was slow and steady progress and also helped us get used to living off of less which came in handy once we brought home our son and I didn't work (or bring in money) for a few weeks, then just went to part-time after that and then for when we moved & I became a SAHM.  

I know this option may not be available to everyone because of financial limitations but even if you can just put away a little every month, it does add up.  I promise.

2. Grants
There are a lot more grant options available, but these are the ones I have heard highly recommended.  We didn't end up having time to apply for any grants because you have to wait until you are homestudied and (it also usually has to be) before the placement.  So we were filling out apps for grants when we got matched, and ended up not having time.  You may find yourself in a different boat though, especially with international adoptions where the wait times can be longer or more set in terms of how long at least.
  1. LifeSong-offers matching grants (range from $1,000-$4,000), which encourage the adopting couple’s church family to financially and prayerfully support the adoption.
  2. Abba Fund-has one application to complete whether you are applying for the family grant fund program or an interest-free loan.
  3. Gift of Adoption-Any U.S. citizen who has an approved adoption home study is eligible to apply.Financial need, perseverance, and imminence of the adoption must be demonstrated.
  4. A Child Waits-Our charitable foundation provides adoption grants ​to give financial assistance to families adopting internationally.  
  5. Show Hope-Show Hope provides grants to families in the adoption process so that more children can have loving homes.  All applicants are welcome, but due to limited funding, we cannot award grants to all qualified applicants.
  6. Kids for Kyla-Grants deadline is annually on November 1st.  Grant recipients are notified in December of each year and awards are presented at annual Wine and Cheese event in February. 

3. Interest free or low interest Loans: 
  1. LifeSong-The Lifesong Legacy Fund offers Interest Free Loans to help families overcome the high cost of adoption. 
  2. Abba Fund-has one application to complete whether you are applying for the family grant fund program or an interest-free loan.
  3. A Child Waits-Our charitable foundation provides low-interest adoption loans ​to give financial assistance to families adopting internationally.  

Last but not least.....
4. Fundraising:  
Here's where you can get the most creative with raising funds!  We did a few fundraisers and these three were probably our favorites and most successful.  
  1. Photo sessions-we have a little hobby photography business and we did "mini sessions" to raise $ for our adoption.  (If you'd like deets just let me know.)  This was a fun way to bless people with new pics of their families and raise money for bringing our baby home.  I don't have an exact # here close by...but suffice it to say we raised a good chunk (I think around $1000) this way!
  2. Spirit Night-we had a Spirit Night at our local Chick-fil-A and raised almost $500 towards our adoption.  We also got to mingle with people who came out for our fundraiser and it was so fun to see people supporting our little growing family.  I can't guarantee that everyone's Spirit Nights will be this successful.  We happened to be friends with the owner of this Chick-fil-A and his family, I was working there and also had a pretty great turn out.  So results may vary, like with everything in life!
  3. Puzzle Fundraiser-I had found this idea on the interwebs, and we decided to go for it.  At the beginning it seemed like we may not have much success in selling the pieces, but it went so well and we raised $10,000 with it!  Although, we did also write names of the people who did photo sessions with us and the spirit night...but still this was a great (and our best!) fundraiser!  We treasure this puzzle, glued it together, framed it and have it in our son's room.  It's so fun to see all the people who helped bring out sweet boy home.
The back of our completed and framed puzzle. Love it.

The sky is the limit for creative ways to save or raise money for your adoption, if that's what you really would like to do!  Some of these take some time, perseverance, work or lots of waiting, but in the end I think they are worth it.


  1. What a valuable post of priceless information! I'm so glad you were able to find your boy and that so many people helped you to get there!

    1. Thanks Susan! So happy to have met you too!