I have 3 qualifying children, and I fully care for them since my wife does not work (disabled). She has student loans under a repayment plan and before we married she had very low payments using just her income. Since she has not worked this year, can I file HOH and just claim my 3 children instead of filing MFJ? She wouldn't be filing a return at all if I did. I don't want file MFJ and the loan officers take the return and use my AGI for a new payment as I'm trying to take care of my family and pay the lower student loan payment. I make good money so I know the payment would shoot up (I used an online calculator). Trying to figure out what to do next year for the both of us.
