Whether you agree with it or not, there is always a fee. Some countries are less expensive than others and some agencies are more expensive than others. You have to find the right one for you and your family. Here are some ideas on funding your adoption. If you can think of any other ways , let me know so that I can post them here for other parents.
Many agencies have payment plans.
You can make installments payments monthly, quarterly, etc. Check with your agency for creative ways to make payments. The tax credit ends on December 31, 2001. This is an excellent time to take advantage of the tax credit before it is gone. Here's some more info on the tax credit and here .