@davidpassero you can use this website to simulate filing Separate vs filing Joint.
https://www.dinkytown.net/java/1040-tax-calculator.html
it is very accurate.
Just be careful you understand what you are doing when you enter the information for filing Separate. You must both take the standard deduction or must both itemize. You can not 'mix and match'.
What you have to do is see how much higher your taxes will be by filing joint and compare that to how much lower your loan repayments will be by filing Separate. The last few I did for folks, it didn't make sense to file Separate as the additional tax didn't offset the lower loan payments. But everyone's tax situation is different, so it may work for you!
