I think I got my answers:
I will be "AOS Pending" while my application is being filed so I will be allowed to overstay my visa.
Also, if I make sure to file the I-765 at the same time as the I-130 and I-485, I shouldn't have to pay for filing fees.
I hope that will help some more lost people!!
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Now I have one other question:
For the I-864ez (Affidavit of Support), my husband (my sponsor) was exempt from filing taxes in 2007 and 2008 (he was a full-time student and was supported almost fully by his parents).
Does he have to justify his exemption when we file for the I-864ez? Or is it ok if we only attach his current employment letter, his 2009 tax information and his recent pay stubs; an write "N/A" for the 2008 and 2007 lines of question 19. Federal income tax information?

