Hi, A.,
My heart aches for you and your situation. I am an older mom, and had lots of trouble getting pregnant, but finally did, twice, with only one miscarriage between. I thank the Lord every day for my blessings.
I don't know what spiritual/religious affiliation you have, but I do know that both times I got pregnant, my mom's whole ABF class was praying for me weekly. Plus I was under chiropractic care. Some will think it's silly, but I do believe that's why I got pregnant. The chiropractor was getting my body aligned and ready, and God answered our prayers. So, while you are going through the adoption process, perhaps you can continue to pray, and ask for prayers, and see a chiropractor (or I've heard acupuncturists are helpful, too).
As for adoption, I know several people who have adopted, and they did not pay anywhere near what I'm hearing from the other moms. Two were open adoptions (eight years ago and six years ago) and one was through the system - a bi-racial 10 month old who is now four, and another through some Catholic group, which cost them $5000.
My cousin has a website, helping people with open adoptions, if you want to explore that route. (Let me know if you do, and I'll send you her website.) And I would recommend that you check into the Lutheran Services or Catholic services to see what they cost, exactly. Or, call ODJFS and see if you can help a child who is in the system. There are a lot of good kids stuck in it, who would love to find a good home.
Blessings,
J.