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We adopted domestically while I was still a student, and now my husband is. Both of our incomes have increased somewhat since then, but then one of our sources of income was student loans, yes. We didn't have any trouble passing the homestudy then and don't expect to now either. If you're really worried about and don't want to wait to find out the answer -- call or email some agencies and see what they say about it. I've found most of them very helpful in answering questions like that.
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