In some cases, you may be able to pay the loan back quickly once you receive a tax credit or are reimbursed by your employer or the military. You may be able to borrow from the cash value of your life insurance policy. Some banks offer low-interest loans or credit lines for adoptive parents. Adoption loans, both home equity and unsecured, may be obtained through the National Adoption Foundation. They also award grants to needy adoptive parents.
Credit cards are an easy source of cash, but typically charge high interest rates.
Travel costs, foreign or domestic, are not covered. Reimbursement is made only after the adoption is finalized and only if the adoption was done through a state adoption agency or a non-profit private agency. Furthermore, the military's Exceptional Family Member Program is designed to ensure that the adoptive families of children with special needs are assigned to duty stations where the child's needs can be met. While the military has long provided free health care for adopted children, it is now available for children as soon as they are placed in your home, rather than having to wait until the adoption is finalized. Moreover, military health care does not require a waiting period for pre-existing conditions.