It’s no secret that raising a child isn’t cheap. And the cost to adopt can be significant. According to a survey conducted by Adoptive Families magazine, domestic (United States) newborn adoptions cost an average of $37,000 and international adoptions averaged about $42,000. Here in Maryland, the average cost of adoption ranges from $20,000 to $50,000 and varies depending upon the circumstances of the adoption. This is why financial stability is one of the criteria looked at during the adoption home study. So, it should come as no surprise that many hopefully adoptive parents wonder, “Can I adopt if I have debt?” Well, it all depends on your specific circumstances.