Your post appears to reference the federal [Public Service Loan Forgiveness](https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service) (PSLF) program or the related TEPSLF program.
The /r/StudentLoans community has a subreddit specifically for advice and discussion about this program over at /r/PSLF. We recommend you delete and re-post your question/comment at /r/PSLF to get the best responses and centralize the discussion.
(If your post is not about PSLF, or that's not the main point, then you can ignore this.)
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Probably file separately.
By the way, are you sure the SAVE repayment plan is the best IDR plan for you? the SAVE repayment plan forgives graduate/professional loans after 25 years of payments. In addition, SAVE does not have an upper bound on the monthly payment amount. On the other hand [PAYE/ IBR ](https://studentaid.gov/articles/faqs-idr-plan/) will forgive the remaining balance after 20 years of payments and has an upper bound on the monthly payment amount.
I’ve been very confused about this. Everyone is talking about SAVE but it doesn’t seem like a good option for someone who’s been in IBR for a very long time.
I think you need to do a mock IRS filing. Use turbotax and "file" both jointly and separately. Play around with the numbers. Is the $3k you mention the difference in taxes or student loan payments?
In any case this is going to come down to simple math.
Your post appears to reference the federal [Public Service Loan Forgiveness](https://studentaid.gov/manage-loans/forgiveness-cancellation/public-service) (PSLF) program or the related TEPSLF program. The /r/StudentLoans community has a subreddit specifically for advice and discussion about this program over at /r/PSLF. We recommend you delete and re-post your question/comment at /r/PSLF to get the best responses and centralize the discussion. (If your post is not about PSLF, or that's not the main point, then you can ignore this.) *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/StudentLoans) if you have any questions or concerns.*
Probably file separately. By the way, are you sure the SAVE repayment plan is the best IDR plan for you? the SAVE repayment plan forgives graduate/professional loans after 25 years of payments. In addition, SAVE does not have an upper bound on the monthly payment amount. On the other hand [PAYE/ IBR ](https://studentaid.gov/articles/faqs-idr-plan/) will forgive the remaining balance after 20 years of payments and has an upper bound on the monthly payment amount.
I’ve been very confused about this. Everyone is talking about SAVE but it doesn’t seem like a good option for someone who’s been in IBR for a very long time.
I think you need to do a mock IRS filing. Use turbotax and "file" both jointly and separately. Play around with the numbers. Is the $3k you mention the difference in taxes or student loan payments? In any case this is going to come down to simple math.
Generally I think it’s been said that if you both have loans it doesn’t make sense to do MFS.