How to Begin - More Help

* A Child Waits is a non-profit Charitable foundation which provides loans to parents needing funds to complete their adoptions. www.achildwaits.org

*Adoption Grants and Loans

LOANS:

203-791-3811 (grants)
800-626-2760 (unsecured loans)
800-841-1982 (secured loans)
First Union Bank - 888-314-5437

BORROWING AGAINST:

Retirement accounts
Life Insurance Policies
Credit card loans
401 K Accounts
Low -Interest Credit Cards

* Adoption Tax Credit
A federal income tax credit up to $10,000 is allowable in the tax year in which an adoption is completed for families who meet income guidelines,after January,2002. For detailed information, order Publication 968 from the IRS at 800-829-3676 or download it from the Internet at www.irs.ustreas.gov

* Agency Payment Plans
- Many agencies allow payments to be made at specific intervals during the adoption process - check this out with any agency in whom you have an interest.

* Annie E. Casey Foundation
701 St. Paul Street
Baltimore, MD 21202
(410) 547-6600
(410) 547-6624 (fax)
E-mail:webmail@aecf.org
Web site: http://www.aecf.org

* Banks
Some banks have adoption loans. Nations Bank has been one. If your bank does not have a loan entitled "adoption loan" ask them for whatever loan might have the best interest and pay back terms. Also, search around.

* Burke Family Website - Adoption Hope
A large variety of financing options - some shown here and others!
Read their adoption story.
Web site:Url

* Carnegie Corporation
437 Madison Avenue
New York, NY 10022
(212) 371-3200
(212) 754-4073 (fax)
Web site: http://www.carnegie.org

* Corporate Matching Gifts
There are many corporations that have adoption assistance programs (AAPs).

* Credit Unions
Often a credit union will offer it's members better terms than Banks. If you belong to a local credit union - check it out. If you don't and find that their terms are excellent then join it. Many times a credit union is interested in their members concerns as their philosophy is geared toward their members in large part as opposed to stock holders.

* Dave Thomas Foundation for Adoption
PO Box 7164
Dublin, OH 43017
(614) 764-3413
Web site: http://www.wendys.com/community/adoption/adoption_frame.html

* David and Lucile Packard Foundation
300 Second Street
Suite 200
Los Altos, CA 94022
(650) 948-7658
(650) 948-5793 (fax)
Web site: http://www.packfound.org/

* DeWitt Wallace-Readers' Digest Fund
2 Park Avenue
New York, NY 10016
(212) 251-9800
(212) 679-6990 (fax)
E-mail: dwrd@wallacefunds.org
Web site: http://www.dewittwallace.org

* Donations from Churches and Community Groups
(check around - often others will help)
Some families have received financial help towards their adoption expenses from their church and other civic organizations in their local area.
Many churches have also helped to supply families with donations for families to bring to their adoptive child's orphanage. Don't underestimate the good that others "want" to do.

* Edna McConnell Clark Foundation
250 Park Avenue
New York, NY 10177-0026
(212) 551-9100
(212) 986-4558 (fax)
E-mail: cia@fdncenter.org
Web site: http://fdncenter.org/grantmaker/emclark/index.html

* Family and Friends:
Sometimes family members will want to help. Ask!

* Foundation for Child Development
145 East 32nd St.
14th Floor
New York, NY 10016
(212) 213-8337
(212) 213-5897 (fax)

* Freddie Mac Foundation
8250 Jones Branch Drive
Mailstop: A40
McLean, VA 22102
(703) 918-8888
(703) 918-8895 (fax)
Web site: http://www.freddiemacfoundation.org

* Fund Raising Ideas
Tupperware~
(An effort that worked for an adoptive parent - and can be looked into) Two companies that offer fund raising to individuals are Tupperware and Partylite. You can earn 40% of Tupperware's exclusive products sales to help fund your adoption! You are supplied with the fund raising flyers, catalogs and order forms, all at no cost to you. All you have to do is pass the flyer and catalogs around to family, friends, coworkers and neighbors. It's that simple! You will receive a check for 40% of what you sell. This can be used to help defray your adoption costs. For more information or to receive a fund raising package for either of these two fund raisers, please e-mail me at Vgagnon9@aol.com or I can be reached at (908) 850-8198. You can also view my web site at http://my.tupperware.com/VALERIEGAGNON

*Garage Sales
For traveling expenses, this can help. Sometimes, we have things lying around that we are not using, even an older vehicle. Turn your "unused" into a resource.

* Home Equity Loan
The interest is generally reasonable and it is not a complicated or costly process. The repayment term can be repaid over many years paying the monthly minimum or caught up sooner as you are able.

House of Lloyd~
Included with the stresses of being childless, fertility procedures, the adoption process, and merely the unknown, is the financial burden. House of Lloyd has a wonderful fundraising program that could help you have a little less stressful adoption process. Being a soon to be adoptive parent myself, I am looking forward to taking advantage of this program. House of Lloyd offers 40% to 55% profit on sales. With the history and reputation of this company and the products offered, it will be easy to gather funds to bring that new baby home. Your family, friends,neighbors, and co-workers are waiting for the little one too, so I'm sure they'd love to help you. Please email me at JLLeverence@aol.com for more information.

* Love Knows No Borders (LKNB) was founded in 2000 in an effort to assist U.S.families with the costs associated with a domestic or international adoption. LKNB embodies the organization's belief that financial concerns need not serve as an obstacle to those individuals and couples willing to open their hearts to a child through adoption. The organization's primary interest is in assisting individuals or couples with the costs associated with domestic or international adoption. It is our goal that anyone wanting to adopt need not abandon their dream because of its cost.

To apply, please send self addressed envelope (2 stamps please) to:

Love Knows No Borders
500 B Monroe Turnpike
P.O. Box 350
Monroe, Connecticut 06468

* John D. and Catherine T. MacArthur Foundation
140 S. Dearborn Street
Chicago, IL 60603
(312) 726-8000
(312) 920-6285
E-mail:4answers@macfound.org
Web site: http://www.macfdn.org

*More Tax Help
Another site for more information:
www.AdoptionTaxCredit.com -
Many States offer extensive tax credits – up to $10,000.

* The National Adoption Foundation (N.A.F.)
The country's only non-profit organization dedicated to providing financial support, information and services for adoptive parents. www.cwla.org/cwla/adoption/adoptionmoney.html

* The National Endowment for Financial Education
Publishes a comprehensive booklet, "How to Make Adoption an Affordable Option" which can be ordered free of charge by calling 719-948-4000 and asking for item #602-E. This booklet can also be downloaded from the Internet at http://www.nefe.org

* National Parent Information Network
University of Illinois at Urbana-Champaign
Children's Research Center
51 Gerty Drive
Champaign, IL 61820-7469
(800) 583-4135
E-mail:npin@uiuc.edu
Web site: http://npin.org

* Robert Wood Johnson Foundation
PO Box 2316
Princeton, NJ 08543-2316
(609) 452-8701
E-mail:mail@rwjf.org
Web site: http://www.rwjf.org/

* Russell Sage Foundation
112 East 64 Street
New York, NY 10021
(212) 750-6000 (voice mail)
E-mail:info@rsage.org
Web site: http://www.russellsage.org/

* Subsidies for Military Families
Assistance to active members of the military who are adopting a child. See your base information officer. Also, the I.N.S. standard for "income guidelines" are more relaxed for military families. http://www.militaryadoption.com/ (civilian familes meeting a criteria of 125% above poverty guidelines and military families - 100%).

* US DHHS, Administration on Children and Families, Children's Bureau
330 C Street SW
Washington, DC 20447
E-mail:cbcomments@acf.dhhs.gov
Web site: www.acf.dhhs.gov/programs/cb

* W.K. Kellogg Foundation
One Michigan Avenue, East
Battle Creek, MI 49017-4058
(616) 968-1611
Web site: http://www.wkkf.org/

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