Only 100,000 sperm

My husband got his semen analysis results back. Only 100,000 sperm and there wasn’t enough sperm to figure out the motility, the morphology or anything like that. The urologist pretty much said our only options are adoption and in-vitro. My husband is totally on board for adoption but how likely is it for us, the average middle class couple to get approved for adoption? Just needing to tell someone my thoughts.

I’m totally on board with it, but I feel like if pregnancy is unlikely, how am I supposed to feel about the possibility of adoption when I still have student loans and we have 2 car payments.... everything right now seems unlikely. 😭