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It's my understanding that you have to pay for everything prior to adopting. I'm not sure about payment plans. My husband and I decided to foster infants and toddlers as we couldn't afford adoption up front. We're in the process of adopting our foster child who we received when he was 8 months old. Funny thing is, we conceived after years of infertility and a m/c of twins the month that our little one came. Now we will have two blessings within a year's time. Good luck to you and dh.

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