I’ve been on an answering questions kick lately, and “How can I adopt without debt?” is one of the top questions folks email to ask me (The other top question is “Will you promote my product for free on your blog?” and is usually in reference to Chia pets that are guaranteed to clean the toilet for you or some other product that doesn’t actually work). Anyway, adoption can be expensive, and since there are people out there trying to figure out how to finance an adoption, I thought I might as well give the only tip I know how to give on adopting without debt.
Affording an adoption can be tough. If you want to adopt without debt, pick foster care adoption.
I know, I know. Foster care adoption isn’t for everyone, and if it isn’t for you, that’s okay.
But if you haven’t decided which adoption path you’d like to pursue yet, and you are concerned about debt, then hear me out.
There are very few (if any) costs associated with foster care adoption.
The background check and home study are both FREE.
The agency (usually) provides the lawyer for FREE.
Children adopted through foster care are often able to keep their Medicaid card until they turn 18.
Many children adopted through foster care continue to receive a small monthly stipend check until they turn 18.
You can file for the IRS Adoption Tax Credit without documenting expenses. With both international and domestic infant adoption you’ll need to have documentation of all expenses in case of an audit, with foster care adoption you don’t.
You’ll still incur a few expenses that you hadn’t really considered. A missed day of work here and there. A ticket when you accidentally park in the no parking zone at the foster agency. And ever so many donuts. But for the most part, all major expenses are covered by the foster agency.
Every now and again someone who has watched a few too many lifetime movies will speak the words that many others worry about but are afraid to say, “Don’t kids in foster care have, you know, like, issues?” No, they don’t. Some people, who maybe aren’t too bright, seem to think that if you pay a higher fee for an adoption, you get a “better” child. The amount of money you do or do not pay the organization facilitating an adoption has nothing to do with how awesome your kid is going to be (and trust me, your kid is going to be awesome!). Children are priceless.
If you feel certain your child is in Russia, or China, or Haiti, or not yet born in the US, then absolutely, go fourth and figure out a way to fund the adoption. But if you want to adopt, and aren’t sure where your child is, and are worried about how to pay for it. Foster care adoption might just be a good choice for you.
**This post is in regards to adopting legally free children from the foster care system and is NOT in regards to adopting children whose goal is reunification with their parents. Here is a little more information on adopting through foster care.**
Now on to the Adoption Talk Linkup!
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