It’s a huge industry, sad for people that want to have a child that can’t have one themselves for whatever reason! About a quarter of foster children end up being adopted, and in that small group only an even smaller group are infants, which is why we didn’t pursue fostering but it’s nice to see it worked out so well for you! Thanks for your reply

That’s not a bad point. Thank you for that advice!

We could do a credit card but that would be some crazy interest! The 401k loan would have much lower interest and the interest would be paid to me. The employer reimbursement occurs once it’s legalized finalized which can take ~6 months in New York State, so we’d be looking for some sort of non-credit card solution to avoid a ton of additional costs being piled on. Thanks for the reply!

Thanks for the reply! We did look into fostering, in many cases the main objective of the foster care system is to reunite the child with a birth parent, and there are certainly many cases that it won’t happen and an adoptive family can come in, but we decided against that route because of the uncertainty.

We did look into grants but won’t qualify because of income limits (which we totally understand), so we basically only need some stopgap funding for a period of time before we can get the tax credit and employer reimbursement.