So You Can’t Afford to Adopt?

“How do people afford adoption?” As an adoption consultant, this is one of the most frequently asked questions I receive. The financial aspects of adoption are, for many families, their number one concern when they begin inquiring about the process.

When my husband and I started researching adoption it was one of our biggest concerns. “How will we afford it?” At the time my husband was a youth pastor working on his PhD and I was working full-time and attending graduate school. Quite a bit of our income was going towards tuition. As you can imagine, we didn’t have a huge chunk of money sitting in a savings account. But, we were confident that God wanted us to begin growing our family through adoption and we knew that He would provide everything we needed.

We began applying for adoption grants, no-interest adoption loans and fundraising. As we started sharing our story people began praying for us and supporting financially. I will never forget the day a kind woman approached me at church and put a check in my hand. As I opened it tears of gratitude filled my eyes and I looked back up at her, “Are you serious? But, are you sure? I don’t know if I can accept this. It’s so much.” I will never forget her response, “Kelly, it is a blessing to me to be able to be a part of your adoption journey in this way. Don’t rob me of this blessing.”

I have numerous moments like this in our own adoption journey that I could share with you. Thankfully, our story isn’t unique. I could spend all day sharing stories about God’s faithfulness from others who have been blessed by the generosity of family, friends and even complete strangers in the adoption process. Just the other week a family was in need of a certain amount to finance the rest of their adoption. They received a little over the amount they needed in the mail from a family friend!

Trusting God with the finances of our adoption was one of the most difficult things for my husband and I. It was also very humbling. Can you relate? I know most of you can. But God gave us exactly what we needed in His perfect timing. Did the money just fall from the sky? No, we worked hard, saved, applied for adoption grants and loans. We even did a few fundraisers! We saw God’s faithfulness and provision through the hands and feet of family, friends and even complete strangers.

“Adoption is so expensive to begin with! Is it really worth hiring an adoption consultant?” This was one of our concerns, as well. Take it from someone who has walked through the adoption process before: I don’t know how we would have journeyed through this adventure without our consultant. One of the reasons (among many) that families choose to work with Christian Adoption Consultants is because of our creative financing ideas. We equip our families with the following information:

  • Average Adoption Costs-a break-down of typical agency/attorney fees
  • Adoption Tax Credit and Dependency Exemptions-direct our families towards exploring tax benefits
  • Adoption loans-no-interest and low-interest options and providers
  • Adoption Grants-detailed list of grant providers
  • Creative Fundraising Ideas-including testimonials from our staff and families of creative ideas that have assisted in raising thousands of dollars for their adoptions

In addition to creative financing ideas, we help our families navigate the risks associated with the process. The nation wide failure rate for an adoption is 50-60%. Can you imagine how many families have lost thousands of dollars in regards to a failed adoption? Although no one can eliminate all of the risk in adoption, families working with Christian Adoption Consultants experience a drastically lower failure rate (<20%). I believe this is because we direct our families to ethical and adoption-friendly agencies and attorneys that have endured our vetting process. Additionally, we assist them in navigating the warnings signs to reduce the levels of risks associated with the adoption process. We also provide adoption resources and education so our families are equipped with knowledge to make informed decisions in their journey.

The financial cost of adoption prevents many families from beginning the adoption process, but it doesn’t have to. When I was functioning in a “what I can accomplish” mentality I was buried in fear about how we would come up with the funds for our adoption. It genuinely felt like an impossible task. I will never forget the day my husband said, “Kelly, God isn’t going to call us to this journey and leave us to ourselves. He will provide everything we need to accomplish everything He has called us to.” This wasn’t new information to me. But I think that somewhere in the mix of filling out paperwork, setting up our home study interviews, applying for grants and loans that I had lost sight of who was in control. It wasn’t me. It wasn’t Christian Adoption Consultants. It wasn’t an adoption agency. It was God. And it was in that moment that I was reminded that nothing could prevent us from accomplishing what God had planned for us-not even my doubt or fear.

***If you are interested in learning more about adoption and the services we provide at Christian Adoption Consultants, I would love to chat! Feel free to email me at kelly@christianadoptionconsultants.com and check out Christian Adoption Consultants for more information!***