@Opus 17 , Thank you so much for taking the time to reply to my post.
I completely agree that in the long run, filing jointly would be ideal for us. I think your response would be very applicable if we were at the beginning of the 10 year period. The thing is that she is ALREADY 8 years IN (something like 100 out of 120 payments). This year and next year would theoretically be the only years we have to file separately like this for her to qualify for the loan. These numbers aren't exact, but it's something like $100k of loan forgiveness and less than $10k savings per year for 2 years to do it this way... you know, if it all works out. Your statistic on loan forgiveness is a great source of anxiety for me (I have seen similar numbers in many recent news articles), but, as far as I can tell, she should totally qualify.
