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Our domestic adoption through a private agency (healthy newborn) in 2008 was $17K. Though our travel fee's were 7K of that amount which is unusually high (lots of traveling back and forth, time spent out of state etc). Our DD's birthmother had medicaid and didn't need any financial assistance. Agency fee's were low because it was a religious run agency.
45K does seem A LOT to me. Though after going through years of being childless our daughter has brought more joy that I could have ever imagined. There's no price I wouldn't pay to have her with us, even if it meant making payments for the rest of my life YKWIM? If it feels right and you can afford it go for it. Best of luck.
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Tamara and Jared
*Officially waiting 1/15/07
*Matched with pbparents 7/26/07
*Our daugter was born 10/26/07!!! 
*Placement 10/28/07
*TPR's signed 2/7/08 & 2/8/08
*ICPC cleared & returned home 2/12/08
*Forever part of our family 10/11/08
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