Please don't give up. The First Union Band offers an adoption loan program. Founded in 1992, by Dave Thomas, founder of Wendy's Old Fashioned Hamburger Restaurants. Applications selectively considered and must be supported with a Doctor's statement. Slavic Humanitarian Association Inc.
All families adopting from Russia make donations in cash to the orphanage through their agency.
If their agency does not have a Tax Exempt status and does not make special arrangements for their families to make that donation tax deductible, families cannot deduct this money in taxes. SHA can help families in this matter. SHA is a tax-exempt public service organization that distributes its donations to Russian Dept. Of Education, orphanages, hospitals, etc. If you make your donation through SHA, it becomes tax deductible.