After post placement visits are completed, the parents can finalize the adoption through the court system. There are other various incidental fees, such as for fingerprints, a legal bill for the adoption finalization attorney, or for a home study medical exam. Having some financial reserves or credit will help, even though the costs are nothing like the costs of infant or foreign adoption. In many states, the home study and training, above, are nearly free if you use the state agency, but will cost some money if you go through a private agency. Many private agencies are non-profit and supply services at cost. Incidental fees vary considerably by state. Your orientation should include a discussion of local fees “along the way”. For a private agency home study, for example, there is typically a fee. Some states or donors may help with this fee and some of that cost can be recovered through tax write-offs. There is a state stipend for foster parents to help cover the cost of providing for the child. Any reasonable child will cost more than the stipend and limiting your costs to the stipend may be considered child abuse. There is no profit in foster care; there are emotional rewards.