[Kasey]

First adoption, we refinanced our home (to lower interest rate) and took equity out at that time, our family also hosted a fund raising party to help us with travel costs and orphanage donations (that netted 7k!), My dad also gave us a generous christmas present that year which we put in a CD.

This adoption, we just opened a home equity line of credit, which we will pull from as we need to.
We also opened 0% interest rate credit card (rate is good for one year), so we plan to use this for our travel (air and hotel).

The adoption tax credit really helped us, since it was essentially a full refund (doesn't work that way for everyone though), so we paid back a good chunk of what we borrowed.

Best wishes!!