The National Adoption Foundation (NAF) helps adoptive parents and prospective adoptive families with costs of adopting and raising a child by providing financial support, information and services, through the NAF GoldOption Loan Program. This program, available through the MBNA Bank America, is designed to help with any adoption-related costs, including travel expenses, setting up the child’s nursery, school tuition, or the everyday costs of raising children. Families can borrow from $1,500 to $30,000, without required collateral. The current interest rate is 12.9 %, with fixed monthly payments, and terms up to 84 months. Applications are available online at the following address: {www.nafadopt.org/pdf/NAFLoanProgram.pdf}. Contact National Adoption Foundation, 100 Mill Plain Rd., Danbury, CT 06811; 888-627-8767 (toll-free); 203-791-3381; Fax: 203-791-3801; {www.nafadopt.org/LoanPrograms.htm}.