we have no way of knowing for certain, but in most cases MFS costs the taxpayers more in taxes.
MFS
lost credits - earned income credit,
student loan interest is not deductible
IRA contributions are phased out at $10K of modified AGI
possible AMT and other taxes.
the only way to know for sure is to prepare two returns (no return is required for your spouse since she has no income) this is difficult with online because only one return is allow per account. You would need to prepare both a joint return and a MFS return for yourself
Any additional taxes if MFS might be worth it if it saves a similar amount in student loan interest,
