@cparke3 - can we step back and slow down?
<<And I don't think the student loan forgiveness program is going to be smart enough to consider eligibility based on amended returns, which can be filed up to 3 years after the due date..>>
1) what was the motivation to file separate in the first place? That may help us understand why you now want to file joint.
2) what about the loan foregiveness program is now motivating you to want to go back and file joint?
From what I have read from reliable sources (NY Times)
1) the foregiveness will be based on your 2020 or 2021 incomes. (so joint income under $250,000 is elgible- and maybe that is why you want to go Joint - one makes more than $125K and the other makes a lot less than that)
2) if you are on a repayment plan where you already provided your tax return to the Loan Servicer, they will use that to determine if you are eligible for the Relief.
3) Otherwise, they were will a form you will have to fill out stating your income and it will be a 'trust me' because the Department of Education can not access the IRS records by law.
