Where are the AA children?

We are an AA family in Montgomery County. We have always heard that there is a need for AA families to adopt AA children. As we contact agencies in the area, we are finding that the ones that say they really have a need for AA families also basically say "it will cost you though." One agency did admit that the cost are high because sometimes the ** does not go through with adoptions and costs invested have to be made up. We've contacted Catholic Charities (who has a great cost) and they tell us they only place 1 to 2 infants a year. Bethany now has 14 AA families going through the Home study process for an infant and they normally place 8 infants a year. The county tells us that it may take 2-5 years to adopt. Then there are the agencies where the SW or representative who works with AA adoptions is always out of the office. Then we say okay, let's look out of state and the cost we find are lower, but then you hear about IPCP, the cost of traveling, hotel rooms, etc. Now you're back to where we've started cost wise. We could borrow the money ($15,000), but that's a loan payment of $300/month. That's $300 that could go toward the child until we get the tax credit. Based on this, I feel for the CC families. I assume the local agencies are really trying to take advantage.