And please stop saying 'adopt' a child. Most people want their OWN child.
Just because you want your "own" child still doesn't mean one should go and sleep with someone either for the sake of getting pregnant. Because the truth of the matter is that a person COULD still have their own child at a later time if god willing they do find a guy and gets legit married to him. This may seem like yea right it could never happen... but I have seen it.
My opinion that you all can disagree on: having a baby out of wedlock basically kills your chances of marriage a bit more. But adopting a baby is probably something that is much easier for a guy to accept and understand once you explain these particular circumstances.
If one really wants to be a mother and isn't married yet...and has financial stability- I seriously do not see what the issue is with adopting a baby and giving it a home. As opposed to living in sin, one will probably be rewarding for doing such an amazing deed.