Many (if not most) people adopt independently from Haiti - which reduces the costs several thousand dollars. Haiti is one of the countries with the lowest fees...country fees between $6,000 and $8,000 (approx.) and with homestudy/dossier/travel it would come out between $10,000 - $12,000.
My husband and I will be getting an adoption loan. I've looked at all the grants but for most you have to use an agency (we're adopting independently) it seems.
Good luck!
S.
sis2kensia@yahoo.com