adoption is wonderful and worth as much as it costs, whatever the cost. It makes me laugh and cry all at the same time to hear that your husband is afraid people will say you should have tried having "one of your own" - laugh because when he holds the baby it will be his own and he will realize how silly he was for worrying, and cry for the sake of my beautiful daughter and any other children who have to ever hear another person call them anything but their parent's own
. I know it isn't intentional but understand how it could hurt a child to hear it, even our pastor used this term in a sermon - it made me cringe.
annie&Hallie'sMom - I'm so glad your are considering adoption, I know you have been through a tough time. Do whatever it takes to get the money (short of breaking the law). I looked at it this way. Infertility treatment is expensive and there is no guarantee. With adoption, as long as you use a reputable agency it is almost 100% guaranteed you will have a child in your life. If you have to take a loan do it, you will never ever mind making any of the payments!
Good luck to you both!

annie&Hallie'sMom - I'm so glad your are considering adoption, I know you have been through a tough time. Do whatever it takes to get the money (short of breaking the law). I looked at it this way. Infertility treatment is expensive and there is no guarantee. With adoption, as long as you use a reputable agency it is almost 100% guaranteed you will have a child in your life. If you have to take a loan do it, you will never ever mind making any of the payments!
Good luck to you both!