Affordable AA adoption??

I too am looking for a low cost adoption option. In the past I have gotten the response that if you can't afford it then you shouldn't adopt! I am sorry but I think instead of paying $20-$40k that money could be better used for my adopted child's college fund, child care options, down payment on a larger house, etc... So having said that, I would love to know if anyone have info about lower cost adoptions. I am not really looking for a baby, but my heart says age 2-4 is perfect for me. Any help?