We adopted from Ethiopia. We took out a Home Equity Line of Credit and it's almost payed back! When you adopt you get an adoption credit, its basically all your taxes back that you paid into for the year. We took out the load about 3 yrs ago for $22k and its down to about $5K now! And believe me, we aren't making 6 figures each or anything, we own a house and pay on two cars, so this isnt coming from someone who doesnt have to worry about money! I know the fees are overwhelming, but they dont all hit you at once. Good luck in your decision
