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Just finished up with the injured spouse department and they were so much easier and knowledgeable to talk to. He basically said my form was filed correctly, but with living in Texas, the spouse is entitled to half, regardless if you earned 100% or not. The money is considered communal property in which she has half, so they took half.  I recommend anyone living in Texas wishing to avoid paying off your spouses student loans to file head of household rather than married filing jointly.