Applying for F2 visa - Potential problems


My spouse is on F1(MS) currently in US. I am planning to apply for F2 visa along with my 3 yr old. My spouse does not have any assistanship/RA(as of now)and is pursuing the studies on loan. Will there be a problem for my F2( will the VO consider this as a case of potential immigrant?). We have sufficient funds to show to the VO for the stay of me and the baby.  Also is it that only family of students pursuing Phd is more likely to get the F2 visa?

Thanks in advance,