What can be done for I-134 and not meeting the income requirements?

First, a co-sponsor does not have to be your (or your fiancee's) relative; it can be any citizen or permanent resident of the U.S. who has enough income to qualify under the 125% poverty guidelines. Remember, a co-sponsor must independently qualify; his/her income cannot be added to your income. If you absolutely cannot find find a co-sponsor, and your income is just under the required level, you have 2 options: a) get a second job; or b) try to qualify by using your assets. The rule is that the value of your assets must exceed 5 times the difference between your income and the 125% poverty guideline. For instance, let's say you have no dependents and your income is $19087 a year, so you are $300 short of the applicable guideline. In this case, you would need to show assets worth $1500 to cover the shortfall. It does not have to be money in the bank - it can be the balance of your retirement account, value of your car, or even jewelry.

A joint sponsor does not have to be a family member. It has to be a US citizen or green card holder but it can be anyone. A coworker, a neighbor, a friend. If you do not have sufficient income and/or assets, you have to get a joint sponsor. Without that the visa will not be approved.