The Ins and Outs of Financing Adoption

Adoption Loans

The National Adoption Foundation has established a $9 million revolving loan bank to provide unsecured loans to adoptive families. Payments and interest then help other adoptive parents. NAF also has a home equity loan program. Both loan programs are financed through MBNA. The foundation has a limited program to provide grants, usually in the $2,500 range, to assist families with adoption costs. You can call the foundation to request that an application packet be sent to you. For grant information, call 203-791-3811.

For loan information through the National Adoption Foundation, call MBNA at 800-448-7061 or contact:

The National Adoption Foundation 100 Mill Plain Road Danbury, CT 06811

Jewish families may apply to the Hebrew Free Loan Association for interest-free loans to Jewish adults who wish to adopt domestically or internationally. Their Web site is at


Several local and national banks now offer adoption loans; check with banks in your area.

Source: National Adoption Information Clearinghouse

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