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Hello. I just have a few thoughts. I live in Texas and some of the agencies I have looked into cost about $15,000. I have heard that you can foster to adopt for little or no money (you do have to take special classes). Steven Curtis Chapman (a christian singer) has a website that you might want to look at. He has grants available if you adopt from one of the agencies on his website. He and his wife adopted 3 children from China. I would wait on the home study until you decide on an agency. Many agencies have their own social workers who do the home sudies. Best of luck on your decisions.
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