Carol... start here.

Maybe something like this...

Cost Amount Approximate Due Date Paid Date
Application Fee $200   Pd 6/4/09
Registration Fee $500 6/15/09  
Home Study $2000 7/1/09  
etc ...      
EAC Agency Fees
      
Dossier Fee: $2,400 per child      
International Program Processing Fee (Contract Fee):
$4,500 (non-refundable) per child		      
Post Placement Administration Fee: $550 per child      
Home Study, Post-placement & Paperwork Fees
      
Post-placement Fee: Cost varies      
Notarization & Certification of documents: $1-10 per document      
Apostille for Dossier documents: $1-50 per
document		      
Immigration, Visa & Embassy Fees
      
Immigration I-600A Form: $670 plus $80 per person for fingerprints      
Invitation for Visa (for parents & family travelling to Russia): up to $200 per person      
Visa (for parents & family travelling to Russia): $200-250 per person      
Russian Medical Examination of child: $150 (each)      
Visa Fee at American Embassy in Moscow: $400
per child plus $670 if adopting a second, unrelated
child.
Example: $400 x 2 + $670 = $1,470		      
Registration of child’s passport with consulate/ministry: $140 each      
Airline Tickets, Foreign Country Costs and Intra-country Expenses
      
Airfare from USA to Russia: $1,000 + per person      
Foreign Program Fees: $14,000 - $23,000
This fee includes attorney fees, administrative costs, visits & all meetings at orphanage, interpreters & representatives in court, court costs, certified copy of adoption decree(s), new birth certificate(s), copy of original birth certificate(s), child(ren)’s passport(s). Transportation from Moscow Airport to hotel, all drivers in region (adoption related only), additional interpreters, assistance in obtaining medical exam for child(ren), assistance in obtaining Embassy appointment for child(ren) to obtain Visa(s), transport to Moscow
Airport.		      
Hotel in Moscow: $200 - $400 per night      
Donations for orphanage; clothes, medicine, toys & other supplies needed by the orphanage): $400-850      
       
       
       
       
       

Places to get financial help...

Lots of choices here... http://www.wiaa.org/financialaid.asp... I have listed a few below.

Grants Open to All Adoptive Parents

GIFT OF ADOPTION FUND
www.giftofadoption.org
101 East Pier Street, 1st Floor
Port Washington, WI 53074
1-877-905-2367
Gift of Adoption provides grants, usually between $2,000 - $5,000, to adoptive parents for both domestic and international adoptions. Applicants must have an approved home study before applying for a grant. You can apply online at https://www.giftofadoption.org/Grant.asp using a credit/debit card to pay the $20 application fee (e-mail Gift of Adoption for to apply for a grant without a credit/debit card). Grants are awarded based upon financial need and/or extraordinary hardship on the part of the adoptive parents or the child.

NATIONAL ADOPTION FOUNDATION
www.nafadopt.org
100 Mill Plain Road
Danbury, CT 06811
203-791-3811
The NAF offers grants to qualified adoptive parents for any type of legal adoption, including private adoptions facilitated by an attorney. The grants typically range from $500 to $2,500. Although there is no income requirement to apply, the NAF is inundated with grant requests so funds will be awarded to the neediest families first, depending on the funds available at the time of the application. More information can be found at http://www.nafadopt.org/NafGrants.htm.

OPEN ARMS CHILDRENS CHARITIES
www.open-arms.org
2536 Old Highway 94 South, Suite 118
St. Charles, MO 63303
636-922-7110
Open Arms awards grants to adoptive families on a quarterly basis: March 15, June 15, September 15 and December 15 of each year. The grants are open to all adoptive parents with an approved home study, regardless of whether they are adopting domestically or internationally. The amount of the award depends upon the number of applications received, as well as donations and fundraisers. There is a $10 application fee.

PROMISE THE CHILDREN
www.promisethechildren.org
11939 Manchester Road, Suite 136
St. Louis, MO 63131
Promise the Children provides grants to adoptive parents on a non-discriminatory basis, as they believe as many children as possible should be united with loving parents. However, they will only provide grants to qualified applicants working with adoption agencies which they have determined to comply with their non-discriminatory policies. Contact Promise the Children to determine if your agency has been approved. Applicants must have a completed home study, and for international adoptions, I 171H approval from USCIS. There is a $15 application fee.

Grants Limited by Type of Adoption or Who Can Apply

A CHILD’S DESIRE
www.achildsdesire.org
1735 ½ Washington Street
Natchitoches, LA 71457
318-354-1229
A Child’s Desire offers grants to parents adopting hard to place children, special needs children, and children over the age of eight. A Child’s Desire is staffed entirely by volunteers so that 100% of donations go to orphans in need.

BRITTANY’S HOPE FOUNDATION
www.brittanyshope.org
1000 North Market Street
Elizabethtown, PA 17022
717-367-9614
Brittany’s Hope helps parents afford the adoption of special needs children, older children, and sibling groups. Rather than providing a grant directly to the adoptive parents, however, Brittany’s Hope places money on specific waiting children referred to them by placement agencies in an effort to get potential families interested in the child and make the adoption more affordable.

FORE FAMILY FOUNDATION
www.foreadoption.com
8141 East Overlook Drive
Scottsdale, AZ 85255
480-563-1155
This is a private foundation (not a non-profit organization) started by PGA star, Kirk Triplett and his wife Cathi, to help adoptive parents overcome the financial barriers to adoption. The foundation awards grants of $2,500 towards adoptive parents’ attorney or agency fees, towards birthmother expenses, or to be placed in an educational fund for a qualified adopted child. The grants are limited to domestic adoptions of children in the foster care system, children with special needs, older children, or hard to place children.

GOD’S GRACE ADOPTION MINISTRY
www.ggam.org
P.O. Box 4
Modesto, CA 95353
209-572-4539
GGAM provides grants and assistance with fundraising to Christian families to help them overcome the financial burdens of adoption.

HIS KIDS TOO!
www.hiskidstoo.org
PMB# 180
3491 Thomasville Road
Tallahassee, FL 32309
850-529-5437
His Kids Too! provides grants of $2,000 for one child or up to $4,000 for two children to Christian families adopting internationally. They also have an Adoption Bank Program where family, friends and co-workers can make donations towards adoption expenses. His Kids Too! has a division called A Heart of Mercy (www.aheartofmercy.net) which provides humanitarian aid to orphans in Kazakhstan as well as financial assistance to people adopting from Kazakhstan.

HOME FOR GOOD FOUNDATION
www.hfgf.org
697 E. Intervale Road
Grants Pass, OR 97527
541-479-5926
Home for Good offers grants to help fund the adoption of special needs children, older children, sibling groups (in an effort to keep the group together) and children who are otherwise hard to place and may never be adopted without grant assistance. Priority is given to applicants who demonstrate that they actively participate in their own fundraising, and are continuing to make every effort to raise funds from other sources. Although Home for Good does provide grants, they will give priority consideration to applicants who seek a no interest loan over an outright grant.

 

A CHILD WAITS FOUNDATION
www.achildwaits.org
1136 Barker Road
Pittsfield, MA 01201
1-866-999-2445
A Child Waits is a non-profit foundation that provides low-interest loans to families who have exhausted all of their financial options and could not adopt without their help. Eligibility is based upon both financial need and credit history, and currently the Foundation funds only international adoptions. The foundation will loan $10,000 or up to 50% of the cost of the adoption, whichever is less, with a repayment term of no more than five years. Applicants must be working with an adoption agency licensed in the state of operation, and if approved, funds will be dispersed just prior to finalization of the international adoption. The adoptive parents must provide the initial funds to adopt.

ADOPTION NETWORK LAW CENTER
www.adoptionnetwork.com
1-800-FOR-ADOPT
Adoption Network Law Center makes available credit based adoption loans up to $50,000 with repayment terms from 24 to 84 months. Interest rates start at 9.99% and they offer same-day decisions on loan applications. You can apply online at: http://adoptionnetwork.com/adoptiveparents/credit-based-adoption-loans.shtmlbut note that you will be redirected to http://www.apfusa.com/adoption.htm, APFUSA (a loan processing company), who will review your application and submit it to appropriate banks; the loan is not actually funded by the Adoption Network Law Center. Lifetime Adoption Facilitation Center (www.lifetimeadoption.com) also offers loans through APFUSA.

IVF FINANCING
www.ivffinance.com
P.O. Box 2374
Ponte Vedra Beach, FL 32004
1-888-285-9871
IVF Financing is a loan program offered through Medical Business Solutions. Medical Business Solutions offers unsecured adoption loans, as well as home equity loans. Although the IVF program was originally tailored to finance infertility and other medical treatments, they have expanded to include adoption. Medical Business Solutions is a general lending company, so they have a wide variety of home equity loan options, including programs for people with credit problems. You can apply online at https://www.ivffinance.com/localivffsignup.html.

MBNA
www.mbna.com
1-888-844-3775
MBNA Gold Option is a term line of credit up to $25,000 with repayment terms from 36 to 72 months. The variable interest rate is based upon credit history and will range from a minimum of 9.24% to a high of 25.24%. 2.
Apply online: https://www1.fni-stl.com/cgi-bin/mbnaloannet.pl?form&track=mbnago05
Other banks offer similar lines of credit.

NATIONAL ADOPTION FOUNDATION (NAF)
www.nafadopt.org
100 Mill Plain Road
Danbury, CT 06811
203-791-3811
The NAF offers the Adoption Assistance Loan through American General Financial Services. Like the MBNA loan, this is actually a general credit-based loan that can be used for any purpose once the funds are dispersed to you. You can apply online at http://www.nafadopt.org/loanprograms.htmand you will be redirected to the American General Financial Services website.

OXFORD ADOPTION FOUNDATION
www.oxfordadoption.com
4309 Crayton Road
Naples, FL 34103
239-430-6240
Oxford offers no interest or low interest loans for both domestic and international adoptions, based upon financial need. Oxford will generally lend up to $5,000 per child, up to a maximum of $10,000. The typical loan terms are 0% interest for the first three years, 3% interest for the next three years, and 6% interest for the final three years, for a maximum loan term of nine years. Adoptive parents should try to obtain funds from all other sources before contacting Oxford, as they lend only the final amount of money necessary to complete the adoption where all other financial resources have been exhausted.