So, Michael here. I just called Adoption for All Children and found that if we were able to get our formal application in today, we would be #26 on the list. The receptionist also told me that from the time the formal application is process the current average wait time would be 15 to 18 months. THAT IS CRAZY!!! Just really wish the army would give the bonus that I was supposed to receive in June!! We are trying to pay as much as we can with our money prior to getting any loans!