Right now her student loan payment is based on her income, which is not very much so she pays very little each month.  We were told that if we filed jointly, then the loan program may start to factor in both of our combined incomes to determine the monthly payment, which would increase almost $800 a month if that were to happen.

Is it possible for us to file as a married couple to get the marriage tax breaks without it affecting the student loan payment?  If yes, what if she already filed her taxes back in January? Is it too late to take advantage?