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    $20K or more to expand your family? How to pay for adoption


    Sarah Bailey’s adoption experience began in 2013 when she connected with an adoption placement agency and paid fees for a parental class and to advertise to birth mothers for one year.

    In 2014, and still without a successful adoption, Bailey began paying a monthly $340 advertising fee each time an adoption fell through.

    “I didn’t expect the month-to-month” fee, says Bailey, a mental health program director in Indianapolis. As the expenses continued into year two of an expected yearlong process, Bailey became discouraged.

    “For me, there was a point where I almost gave up,” she says.

    She persisted, and by 2015, Bailey had paid over $22,000 to adopt her son.

    The cost of a private agency adoption can range from $20,000 to $45,000, according to the Child Welfare Information Gateway, a service of the Children’s Bureau under the federal Office of the Administration for Children and Families.

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