I think that this is an incredibly bad idea in almost all cases. If the prospective parents had a trust fund that would release a lot of money in the near future, and they find the perfect child for their family, MAYBE I could see some justification, because they'd be able to pay off the loan in a short time. But in most cases, it's expensive enough to bring a new child into the family, whether adopted or born or whatever, new parents don't need to start out with a huge new debt.
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