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We are pretty well on the "low" end of middle class, and we pulled off an adoption through an agency. About $18,000, mostly added on to our house, a bit on credit cards, some just saved up. It hasn't been easy but SO worth it.
If you're worried about a birthmom not choosing you, here's my advice: there are a few agencies that use a backup waiting list system -- meaning if a birthmother doesn't want to choose the adoptive couple for some reason, the agency will offer that child to the couple that has been waiting the longest.
That's how we got our daughter.
We never got anyone to call us back from the foster care system, either in our state or any other state we tried. Any communication was done by US and didn't get any results. Of about 30 kids we inquired about we were considered for one, but I assume we weren't chosen as it still says they are looking at homestudies.
Good luck, whatever you decide.