Concept:Use the past perfect tense for an action that happened before another past action.Explanation:The phrase "when I entered college" gives a past time reference.The couple's situation happened before that past moment.So we need the past perfect form: hadn't had."Hasn't had" and "haven't had" are present perfect forms, not correct here."Were not having" is past continuous and does not fit this meaning.Answer:D. hadn't had