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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/