So tell me if I'm wrong, but my wife and I file separately because I owe $89,000 in student loans. If I just use my income (meaning we have to file separately) then I qualify for the SAVE plan and with my income my payment falls to a manageable 200 bucks a month. If I use both mine and my wife's income(meaning filing jointly), then I no longer qualify for the SAVE plan and my payment jumps to over $960 a month! My wife makes slightly more than I do but not enough for the both of us to float nearly $1000 bucks a month. The difference here is about $9120 dollars a year. I'm not a tax guru but I doubt we qualify for any sort of credit filing jointly that would net us over that.
