After you file

The IRS just posted this info in June of 2022 and I am sure it has not been implemented  in any tax program yet, I know my professional program has not been updated yet.  So if you want to do one I am sure you will need to mail it in and pray the input operator understands.   However changing from a joint to separate return may not be allowed in any way after the original return is filed  but you can take your chances.   https://www.irs.gov/newsroom/irs-taxpayers-now-have-more-options-to-correct-amend-returns-electronic...

 

Also the DOE has not yet posted the instructions on how this will work so keep appraised of the situation here :   

This is the official Department of Education FAQ and information on the Relief. 

 

https://studentaid.gov/debt-relief-announcement/