Under covid rules, they are not taking refunds for student loans for 2019 or 2020. Even in regular years, there is an "injured spouse allocation" form to keep the IRS from taking your portion of the refund to satisfy your spouse's debt.
You need to file an amended return to change your status to Married Filing Jointly (MFJ), even though your spouse hasn't filed yet. Your amended MFJ will include her requirement to file.
We can't say, for sure, how your stimulus will be affected, but it will probably not be affected.
@npierson7 @macuser_22 @fanfare do you agree?
