Adoption Loan Program
Background
The Adoption Assistance Loan Program was created under 3107.018 and 5101.143 of the Ohio Revised
Code (ORC).
The purpose of the adoption loan program is to assist families approved for adoption in obtaining funds to
defray some of the upfront costs of the adoption process.
1.4 Overview of the Project
Individuals and families who are approved by a child welfare agency to adopt a child and who have been
matched to a child available for adoption may seek a loan from the financial institution to defray some of
the upfront costs of the adoption process. The selected financial institution will determine the financial
eligibility of the loan applicant in accord with eligibility criteria established in rule. Based on the
applicant's financial and programmatic eligibility, the selected financial institution will provide the loan,
using funding provided by the State, collect repayment to include interest and penalties, and provide
monthly/quarterly/annual reports to ODJFS.
