Carter had three children: daughter Tracy and sons Joshua and Daniel. She adopted both Joshua and Daniel as newborns over a four-month period. She attempted to adopt twice more but both adoptions failed. In her first attempt, she allowed a young pregnant woman to move into her home with the plan that she would adopt the child, but the mother decided to keep her baby. In 1992, Carter had surgery to repair two aneurysms and married Roger Larocque in June. She divorced Larocque the next year. Carter declared bankruptcy in 1995 and again in 2002. She also had three miscarriages.