[DogLoverRuthie]

We have been considering adoption for several years. We have explored many options, but keep coming back to Guatemala as the best fit for us, but it also seems to be the most expensive.

Therefore, our biggest obsticle seems to be finances. We have a decent income, but had some real financial difficulties several years ago that have prevented us from having any real savings. We have only been in our home for 2 years, so we don't have any equity. We have a couple of personal loans out right now, so I am sure we couldn't qualify for a big personal loan. We make too much money to qualify for some of the adoption helps that are available. We don't have family that we can borrow from, and we just can't imagine doing fundraising. We don't have enough in 401K and I am not sure that we should borrow from there if we did. I would really like to go down to one income, so someone could be home with the baby.

Are we totally screwed? Do we have any other options?