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After you file
MFS returns can take longer because the IRS may need to look at both of them in tandem, especially if you're in a Community Property State. But the IRS is really slow this year.
And you could have filed Joint with an Injured Spouse. See this:
About Form 8379, Injured Spouse Allocation | Internal Revenue Service (irs.gov)
March 4, 2021
3:49 PM