Husband owes student loans

My husband owes student loans and each year the taxes have been taken despite trying to set up a payment plan with a debt collector who won’t take him out of default after having set him up in some program three different times, they keep stop taking payments and making him default again. This year I started working after being a stay at home mom for almost two years, if I file separately and claim our son will my taxes be taken as well? Is that our best option?