Also, I found that with her portion of the ACA on my taxes, i had to pay back almost 100% of her savings for some reason - glitchy VA predictive model. By moving that portion of ACA to her taxes plus removing her 10k income from my ACA total AGI, I have a "wash" even with losing the dependent credit (500) and education credit (2500). Meanwhile she gets back 1000 refund from education credit plus 0 "taxable" income so she does NOT have to repay the ACA credit.
