Me and the wife filed jointly last year (2018). Our nearly $4,000 return was swallowed up by a defaulted loan my wife has towards the US Dept of Ed, and she still owes $6,000 on it, which she's paying off at $5 a month due to both of us being out of work because of the corona virus, My question is, should we file married/separately this year? The majority of income is mine, I am head of household, and I am claiming both our children.
