We adopted from Korea and used WACAP. We planned on getting a loan for our adoption, but in the end didn't need to. We were gifted financially by friends and family and I swear Pennies came from Heaven! The money was just there when we needed it. The fees were not all due at the same time so we didn't need the entire amount upfront. We paid a little at acceptance into the program, a little a few months later, and the rest at referral. It didn't make it seem so bad paying as we went along.
It was easy to narrow down the agency to use (there are just a few that place healthy Korean infants in NC, where we were living at the time) by asking them all the same questions. I made a list of things that I felt were important. The biggest things to me were communication and that they had worked with lots of military families before us. I wanted them to be forthcoming in their answers...not having to look things up and get back to me, being able to explain all the fees with every dollar accounted for, explain the process to me and estimated wait times. Every dollar should have a reason behind it and you should be able to know why.
I am assuming you are looking into a domestic adoption. Some questions to ask:
How many children did you place last year?
How long have you been placing children?
When are the fees due?
What do the fees cover? (homestudy, post placement visits, court filing...)
What is the estimated wait for a referral or match?
How soon after the birth will the child be placed?
When is the adoption finalized?
There is a great list of questions:
http://theadoptionguide.com/process/...ency-questions
ETA:
Found this site in the Adoption Resources Sticky:
http://www.adopting.org/choosagn.html
Many agencies have waiting chilren programs where fees are reduced and sometimes even eliminated. WACAP is well known for financial aid, you may want to look into their AA Infant Program (
www.wacap.org).
Good luck!
Cynthia