I posted a version of this blog post earlier in the year. Since that time I have continued to research agency fee schedules. Since this is a very important topic, I have revised the post to include more agency information.
Although I have already written about evaluating the amount of fees a potential agency charges, I have recently run into a few situations that made me think I should take a closer look at the aspect of *when* the fees are charged. Here some situations I have discussed with people within the past few weeks:
- A family which had paid all of the agency fees before their homestudy was completed. The agency was barred from international adoptions and the family has lost the money they paid.
- A family which applied to a particular agency because the agency was going to receive the file of a child they wanted to adopt. The agency was upfront about the fact that the family was not guaranteed to receive the child’s file. Another family ended up with that child’s referral, but because the first family had already paid several thousand dollars in fees, they ended up staying with the agency.
- A family which applied to an agency but decided to change to another after reading some negative reviews. Although they knew they would lose the non-refundable application fee, they were shocked to be informed that because their application had been approved they owed a $2000 “service fee” even though absolutely nothing had been done by the agency.
- A family found a child profile they were interested in on the “shared list” section of an agency advocacy site. The agency informed them that if they applied to the agency, they would help them find the file. The file was with another agency which refused to transfer, but now that the family had committed to the first agency by paying fees they didn’t have the freedom to switch to the agency which actually held the file.
- I am aware of two different families who applied to an agency (they used different agencies) and started a home study but through different circumstances became ineligible to adopt before the home study was completed. Both families had paid an initial agency fee of around $5000 but both agencies refused to give even a partial refund.
We all know that adoption is expensive. Families are prepared to pay the cost of the adoption, but they usually don’t have the funds to lose $3000-$6000 if they start over with another agency. The timing of WHEN you pay the fees can give you flexibility if the first agency you work with does not turn out to be the best fit for whatever reason. I looked up the fee schedules (or tried to) for over 30 different adoption agencies with China programs. Let’s look at what I learned so you can make an informed decision when choosing an agency.
Fee Schedules– When I gave agency red flags, not posting a fee schedule on the agency website was one of the items I listed. A full third of agencies did not have the fee schedule available on their website or required I give personal information to receive it. Many of these agencies are the ones who do not have a good reputation. Some agencies only gave a general estimate for the costs of the China program without listing individual fees or gave fees without a timeline. The good news is that 20 agencies had at least a general breakdown of fees and when to expect to pay them. I’m sticking with my suggestion that if you don’t find a fee schedule on an agency website, don’t use them. There are plenty of agencies that give you the information you need to make an informed decision.
Application fees– Application fees ranged from $200 to $800. Application fees are not refundable. If you are considering an agency because of a waiting child, very few agencies will require an application fee to view a file. Most agencies can and will locate specific files for you free of charge because they hope to gain you as a client.
Home study– It came as a surprise to me to find that some agencies are expecting fee payment before the home study is complete. Remember that the purpose of a home study is to determine that you are eligible to adopt. Certainly most families pass the home study, but I would be hesitant to work with an agency which expects payment before you have been determined eligible to adopt.
Application approval/Contract signing– Of the agencies which had a payment that could be due before the home study was approved, most had the first payment tied to when the application was accepted or when the agency contract was signed. This fee was around $3000 with most of the agencies. If this is the case with the agency you want to work with, consider not formally applying or signing the contract until after your home study is complete. The agency can review the home study and make changes once they have accepted you into the program. This is probably not going to work if the placing agency is also doing your home study, but it would give you the freedom to switch if you find a child at a different agency during the home study process.
Number of agency fees– It is most common for agencies to have three fees. These were typically tied to home study acceptance, referral or dossier submission, and a travel and/or post placement fee after the dossier is submitted but before travel. Here is my full tally:
- Agencies with no fee posted: 10
- Agencies with 1 comprehensive fee: 2
- Agencies with 2 fees: 6
- Agencies with 3 fees: 12
- Agencies with 4 fees: 3
- Agencies which required fee payment before the home study is finalized: 5
If you are not looking at an agency because you are pursuing a particular waiting child, it is beneficial to look closely at the fee schedule of potential agencies. Especially if you are anticipating submitting your dossier first to be matched with a LID child, choosing an agency which has multiple fees spaced out throughout the process will give you maximum flexibility if you end up switching agencies later. It is very common for families to begin the process intending to adopt a LID child but to find a waiting child through an advocacy group or site during the process. You might feel sure you will stay with an agency, but giving yourself flexibility is still a good idea.
Conclusion– My suggestions if you are choosing an agency:
- Look for a detailed fee schedule to be easily available on the agency’s website.
- Do not pay more than the application fee before your home study is approved.
- Ask potential agencies if you can make payments on the fees or if it must be paid in full at the time it is due.
- Ask for your agency’s refund policy. Does it vary if you voluntarily leave the agency versus if you are no longer eligible to adopt? Get the answer in writing.
If you are just beginning your adoption journey and found this post helpful, you might consider buying my book which has all of this information and more, including several chapters on travel.