shadow_chance t1_j6jas6j wrote on January 30, 2023 at 7:04 PM

Nothing about this suggests filing separately would be wise.

> If we file joint then I am just afraid that her 27k new payment will be based on both incomes and a lot higher, so is that just something my tax guy can help me with?

She has a 60K income alone, I haven't done the simulation calculator lately but I doubt income based really helps her whether you file joint or separately.

agjjnf222 OP t1_j6jb11b wrote on January 30, 2023 at 7:05 PM

Okay I guess my thought was would the minimum she may get for her loans based on individual income be better than whatever extra we may pay in taxes. I just wasn’t aure

shadow_chance t1_j6jb6ut wrote on January 30, 2023 at 7:06 PM

It might but I doubt it. You can run the simulator here https://studentaid.gov/loan-simulator

agjjnf222 OP t1_j6jb9wt wrote on January 30, 2023 at 7:07 PM

Thanks!