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Some thoughts..
have you considered fostercare or foster adopt? That can help with the expense, and get you started on your way fairly quickly.
Also.. you can do a private adoption (no agency/facilitator) and just pay legal fee's and someother minor fee's.. I know fo many people that have paid much less than $10,000. You will still need a homestudy though. Depending on your state you can work directly with an attorney, network on your own (websites, profiles, etc).
Good luck..
mandy
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