i have no idea why jivana is giving you indirect answers but here is the deal.
- you need f1 visa and your wife needs f2 visa
- you need to show that you have funds to cover your education and living expenses for both of you
- these funds should be coming from scholarships, loans and personal savings. you CANNOT say that you or your wife will be working in the US to support your education
- you need to prove that you will go back after completing your education. it is true that most international students do stay in the US at least for a couple of years after graduation, and probably you will also do the same. but in front of the visa officer you HAVE to prove that your only reason coming to the US is to study and that you will go back. you should try to appear strong in this regard (documentations of property, future job offer etc should help) since this is the reason most students get denied visa
- if you guys do get the visa and come here, it is not easy to get a job for your wife anyways. she will not have the papers because of the f2 status and the only jobs available are low paying. so might as well take a bigger loan amount and enjoy your time here