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Hopeful couples discover that adoption or gestational surrogacy costs from tens of thousands of dollars to more than $100,000. (And that's on top of the thousands of dollars many have already shelled out on fertility treatments, to say nothing about the emotional toll.)
Typical cost: $0 to $3,000 in initial expenses, but fees can be recouped through a federal reimbursement plan or the adoption tax credit. Many families will receive the federal tax credit ($13.19 in 2014), regardless of their actual expenses.