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Adjustment of Status - I-485

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bank account
hi to all.
i have a question regarding the bank statement. We don't have that much money in our bank account, maybe like $3,000 it goes up and down. one of the supporting evidence to take to the interview is our bank statement. the account is under our name & address but not sufficient money. do you think the offices will ask why we don't have enough money in the account?
 my husband gets paid good we didn't use anyone as a sponsor. however, in the bank, we don't deposit money because my husband owes student loan so he thinks it will freeze my account. we didn't get our refund because the student loan took our tax refund so he thinks that they will do the same with our bank account so basically we just deposit and pay bills. he cashes out his checks and just deposit like $4000 a month to pay rent and bills online.
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