I would like to add, the reason I do not file jointly is due to how much my student loan repayment would be. It would go off my tax returns and include my husband's salary. Therefore, my payments would double or more. I wouldn't be able to pay them, and I would be paying a lot more in the long run given I qualify for public student loan forgiveness. I wish I could file jointly, but it just doesn't work great for me. Both situations aren't great, but one is better than the other.
