Unemployed spouse due to health related issues. Defaulted on student loan prior to marriage, with collections in "Certified for offset" payment program.

I live in Texas.  Should I file a joint of separate return?  We were unaware of the defaulted loan, and last year filed a joint return, and my entire return was taken.  I had to file an injured spouse form after finding out, and received back half of my return some 10 weeks later.  With my wife not collecting unemployment, or any other form of government assistance, I'm not sure what I should do this year.

Is it possible to file without having my entire/half of my return taken again?  If I file a separate return claiming my 2 children, would I lose any money on my return?