1. I need to apply I-485 together with you immediately. Otherwise i will lose the chance to get my PR. It has been a five-year waiting time now.
2. If I file my I-485, I will legally change my Status to AOS. Althought I could pretend to be F-1 status, legally i am not a F-1 student anymore.
3. Financial Aid has nothing to do with the F-1 status. It doesn't matter whether I am a F-1 student or in AOS status. I still can get my funding and study in School legally.
4. The safest way for me is to apply I-485 together with AP and EAD. I could work with my EAD. Also I could travel with my AP. It will inform the SEVIS that I have changed to AOS. If I choose not to travel, the immigration office might not know I have filed I-485. That doesn't mean I am still a F-1 student but I could pretend to be. I still have an authorized period of stay.
5. If I could not finish my study on time, I could not extend my I-20 although ISSO says they might not mind extending my I-20. Once the immigration officer notices that, I will be in trouble. I'd better keep in AOS status. In AOS status, I still could finish my degree with financial aid.
6. If anything happens for example my hu*****and's I-140 denies, I could still come back with H-4 as long as my hubby keeps his H-1b status. I could still finish my study even in that way. But probably i will not have financial aid any more.
7. I could still travel with AP once my hu*****and's I-140 approves. As we all know, I-485 seldom gets denied after I-140 approves.
Being so happy that I don't need to worry about my F-1 status any more. I have nothing to lose instead gaining more freedom.