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triterp80

AOS: Income Calculation and Student Loans , Credit Card Debt

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Filed: IR-1/CR-1 Visa Country: China
Timeline

Hello everybody, this is my first post! My income level is well above the poverty line, but out of curiosity how do student loans and credit card debt play into the picture? Would they look at annual income after taxes and subtract the owed cash payment amounts such as student and car/mortgage loan payments and credit card payments and assess that final figure along with the value of assets?

Thanks for any input you can provide!


04/16/13: Met online - eventually began talking every day :)

09/20/13: Met in China for the first time!

03/03/14: Second trip to China - had an amazing time

09/27/14: Third trip to China - proposed!
10/08/14: Married in China!

11/20/14: I130 sent to Chicago lockbox facility for CR1 Visa

11/25/14: NOA1 (I797C)

12/12/14: NOA2 (I797) - unusually quick processing!

02/06/15: NVC received, notified by email

02/07/15: Completed DS260 online

02/08/15: AOS fee ($120) paid online

02/16/15: AOS package sent via email

03/13/15: Can no longer sign into the CEAC?

03/16/15: Called NVC - since I submitted AOS via email, case number changed to electronic case number - prefix changed from GUZ to GZO

03/16/15: Resubmitted DS261 per phone conversation

03/17/15: Received email confirmation of receipt of AOS email on 3/17 and due to high volume will be at least 60 days to process

03/19/15: IV fee invoiced and paid online. IV fee status shows as 'in process'

03/20/15: IV fee status shows 'paid' and DS260/IV application is available

03/27/15: DS260 submitted online

03/30/15: IV package emailed

04/19/15: Emailed photocopies of marriage certificate, birth certificate and police certificate to supplement original email - just in case - was not prompted to do so

04/20/15: Email from NVC: all documents accepted - interview to be scheduled soon

04/23/15: Email from NVC: interview scheduled

05/18/15: Interview - Passed!

05/25/15: Wife picked up Visa in hand

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Filed: IR-1/CR-1 Visa Country: Romania
Timeline

No. They assess your annual income before taxes as reported on your tax return/transcripts.

Edit : Credit Card Debt and Student Loans are irrelevant unless you have something like a bankruptcy in your history, and that still doesn't play a factor in a decision, but they may ask your significant other if you told them just to make sure your relationship is honest.

Edited by AnnaMaria

6/24/2014 - I-130 Shipped via UPS to Chicago

6/26/2014 - I-130 Received and signed for at USCIS

7/1/2014 - E-mail of acceptance with Receipt number - NoA 1 (Routed to California Service Center)

07/15/2014 - Change of Address via phone call with USCIS, confirmation via e-mail.

7/30/2014 - I-130 Approved at USCIS - NoA 2 E-mail

08/13/2014 - NVC Received Approved I-130 package from USCIS

08/21/2014 - Case Number and IIN created at NVC

08/25/2014 - Case Number and IIN received via phone call. DS-261 Available and completed online.

8/26/2014 - AoS Fee invoiced and paid online.

8/28/2014 - AoS Invoice status PAID

09/04/2014 - Expedite Request response - Must enter Beneficiary Date of Birth - Re-sent exact e-mail with requested info

09/10/2014 - Expedite Request e-mail received as "Under Review"

09/11/2014 - Expedite Request Approved - Confirmation via e-mail from U.S. Embassy in Bucharest, Romania

09/16/2014 - Embassy Received Case from NVC

09/16/2014 - Received E-mail from Embassy to Schedule our Interview and prepare documents

9/23/2014 - Medical Exam at Regina Maria - Results OK

10/01/2014 - Visa Approved!

10/03/2014 - Received Passport with Visa!

11/2/2104 - PoE Atlanta - Welcome to the US!

11/5/2014 - Paid $165 ELIS Fee

8/1/2016 - I-751 Packet sent in for Removal of Conditions!

8/15/2016 - Notice of Action 1 for I-751 - California Service Center

9/29/2016 - Received Biometrics Appointment

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Filed: AOS (pnd) Country: China
Timeline

They only want to know the income information and not the debt.


10-04-2013 We met online
11-21-2013 We met in person in Shanghai for 2 weeks

12-13-2013 I-129F packet sent via express

12-19-2013 USCIS NOA #1 (text and email) received

12-24-2013 USCIS assigns Alien Registration Number
12-31-2013 USCIS NOA #1 hard copy received
06-02-2014 USCIS web site shows NOA #2 approval
06-06-2014 USCIS web site shows case sent to NVC

06-xx-2014 Fiancee acquired birth, marriage, and police certificates from local police station (wrong)

06-16-2014 NVC creates case with GUZ### number

06-19-2014 NVC sends case sent to Guangzhou, China
06-24-2014 Received packet 3 express mail from embassy
06-25-2014 Completed DS-160 and paid K1 visa fee

06-26-2014 Mailed packet 3 response back to Embassy

06-26-2014 Requested police certificate from Russian embassy

07-08-2014 Received packet 4 email from Embassy

07-17-2014 Picked up Russian police certificate

07-25-2014 Fiancee medical exam (received MMR & Varicella, but they missed required TD shot)

07-31-2014 Picked up medical exam reports

08-01-2014 Request (correct) birth, marriage, and police certificates from Notarial Service (GongZhengChu)

08-06-2014 Picked up birth, marriage, and police certificates from Notarial Service

08-14-2014 Passed Interview Guangzhou embassy

09-01-2014 Received passport, visa, & sealed envelope

09-13-2014 POE

09-17-2014 Went to CBP office to get (US entry) I-94 updated correctly

09-18-2014 Applied for Social Security Card
09-19-2014 Applied for Marriage License (via online)
09-25-2014 Received Social Security Card
09-30-2014 Picked up Marriage License
10-09-2014 Marriage by Justice of Peace
10-09-2014 Got Certified Marriage Certificate Copies
10-17-2014 Received a letter from SS office that they need the marriage license
10-09-2014 Applied to change the social security card name
10-24-2014 Went back to SS office to provide the marriage certificate documents again!!!
12-09-2014 Submitted AOS, EAD, and AP
12-16-2014 Received 16 emails and 16 text NOA messages
01-05-2015 Received Biometrics appointment letter for (01-12-2015)
01-12-2015 Had Biometrics (fingerprint & picture) - Required Marriage Certificate!!!
02-17-2015 EAD and AP is approved
02-23-2015 Received AP is approval letter
02-25-2015 Received EAD/AP combo card (expires 02/16/2016)
02-27-2015 Applied for SS card name change (they took her SS card)
02-27-2015 Driver's learner permit test was denied since the SS card was given to SS office for name change
03-17-2015 Received SS card with married name
03-17-2015 Started to change all her accounts to married name
03-23-2015 Received potential interview waiver letter
03-27-2015 DMV rejects learner's permit due to "legal status=pending" and vision test failure
04-05-2015 Vision test for learner's permit
04-06-2015 DPS sent us letter that DHS cleared my wife's status to acquire driver's license.
04-10-2015 Passed Driver Learner's Permit
04-22-2015 Received Driver Learner's Permit ID card (expires 02/16/2016)
08-27-2015 Green Card approved
08-31-2015 Received Green Card "Welcome Notice Was Mailed" letter
09-05-2015 Received Green card
10-26-2015 Passed Driver's License Road Test (on 3rd attempt)
11-03-2015 Received Driver's License (expires 02/16/2022)
11-06-2015 Applied to remove conditional work remark on SS card
11-23-2015 Received updated Social Security Card.
- - - - - - - - - - Pending Future Processing - - - - - - - - - -
05-27-2017 File 10 Year Green Card
08-27-2017 2 Year Green Card Expires
05-27-2018 File USC

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