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My guess is the terminology is what is throwing your current lender off. The word "stipend" typically is cause for concern as a stipend is not normally guaranteed for at least 3 years. Most of the time, especially as they relate to research positions, they are on a year to year basis and therefore are not deemed as guaranteed past the current contract period. If you are able to get some documentation from your employer that guarantees the stipend will continue for at least 3 years you have will have a great chance. Good luck!
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