Our 3 kids are adopted. We funded through a variety of means: overtime, picking up extra shifts, overnight shift diff, working holidays (x2 pay rate), employer-sponsored adoption grants, renting out a room in our house, aggressive budgeting, eating nearly all meals at home, and home renovations to boost our property value (did the work myself).
We also put out info on social media, local mom’s groups, church, and to immediate and extended family. Our family income is about x2 that of the local average but we had zero issue asking for donations since adoption is a noble cause and it’s crazy expensive…98% of couples take on debt to fund adoptions and we didn’t want to do that. We never asked for money directly, but we did ask for baby/kid items. Tons of people have that kind of stuff in storage they no longer need/use, and are happy to part with it. Any donates items we couldn’t use we sold. A lot of people gave us cash as well. If you have a lot of social capital GoFundMe is also an option. Don’t feel like you have to carry this one entirely on your own shoulders. It takes a village.
Lastly, adoption expenses for an incomplete adoption may still be claimed as a tax credit to the IRS. Some states allow a credit towards local taxes as well. We actually recouped the most total $$ for adoption expenses through tax credits.