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We used one for our second adoption. Not knowing why your husband is against it, my thought is just to make sure you have a plan to pay it back. Ours was/is (we still have it in case of an emergency) a much lower interest rate than credit cards and the pay back terms are pretty lenient. (In that it doesn't have a huge monthly payment required.) We made payments on it until we got our adoption tax credit and used that to pay it off.
The only downside I can see is as Jessi_76 said, you are potentially putting your house on the line should you not be able to pay it back.
Feel free to PM me if you have any specific questions about what we did.
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Debbie - Mom to 3
Including 2 from Guatemala
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