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Can my wife claim the child tax credit?

My wife and I are filing seperate returns due to my student loan repayment plan (filing jointly would make the loan servicer recalculate my monthly payment based on both our incomes, greatly increasing the monthly payment). The question is: If we file seperatly can my wife claim my daughter and receive the child tax credit? I was told that since we both live in the same household she cannot receive the child tax credit if she claims our daughter as a dependent.
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Can my wife claim the child tax credit?

Each year you can choose to file as Married Filing Separately. However, that may not provide the benefit that you expect, and you will almost always end up paying more in tax than if you file jointly.
The Married Filing Separately filing status is very different than the Single filing status. There are a number of severe restrictions on deductions and credits, and on the amount of IRA contributions that you can deduct, especially if you live together with your spouse.
You can not take the EIC,
You can not take the credit for Child and Dependent Care, in most cases,
You can not take the Education credits/deductions, and there are many other restrictions.
 If either of you receive Social Security benefits and you live with your spouse, more of the SS benefit will be taxable, and the person receiving it will have to include the SS benefit in their gross income when determining whether they have to file. If one of you itemizes deductions, the other must also itemize even if they have nothing to itemize.

Before you decide, you should carefully read the restrictions that go with MFS in  IRS Pub. 501, at this link:

You should carefully read the limits on IRA deductions in IRS Pub. 590-A at this link:

In addition, if you live in a Community Property state, there are special rules you must follow for reporting income and expense. For further information on that, see IRS Pub. 555, at this link:

and/or the Turbotax FAQ at this link:
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