The loans do factor in to her support, yes. You state why: they are in her name, so she is responsible for repaying them. In essence, even though she did not earn enough money, this money is "hers".
However, this does not necessarily mean that you didn't provide at least half of the support. Rather, use the Worksheet link I attach to determine if you provided at least half of her support. If you did, then you may claim her as a qualifying relative if her taxable income was below the threshold amount of $4150 of taxable income: Worksheet for Determining Support - IRS.gov
**Say "Thanks" by clicking the thumb icon in a post
**Mark the post that answers your question by clicking on "Mark as Best Answer"
