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I'm going to chime in w/ bajj. We used a non-profit agency, had a short wait and a very competent, compassionate caseworker. I don't think for profit agencies are better as a rule.
And as Linny points out, the tax credit is not a sure thing----we won't get one. Also, check your state statute or talk w/ your attorney to see if bparent expenses are capped in your state. Agencies and lawyers doing private adoptions get into trouble for coloring outside the lines on birthmother expenses here. And your feeling about "buying" is right on---the charge in those situations? Child Trafficking.
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