I have 3 qualifying children, and I fully care for them since my wife does not work (disabled). She has student loans under a repayment plan and before we married she had very low payments using just her income. Since she has not worked this year, can I file HOH and just claim my 3 children instead of filing MFJ? She wouldn't be filing a return at all if I did. I don't want file MFJ and the loan officers take the return and use my AGI for a new payment as I'm trying to take care of my family and pay the lower student loan payment. I make good money so I know the payment would shoot up (I used an online calculator). Trying to figure out what to do next year for the both of us.
Head or Household is for *unmarried* persons or *considered unmarried* that have not lived with their spouse at any time during the last 6 months of the tax year. You can either file jointly or separately (which will reduce or eliminate several credits). Usually jointly is best but student loans can be a determining factor. If you and your wife have lived together HOH is not an option.
Head or Household is for *unmarried* persons or *considered unmarried* that have not lived with their spouse at any time during the last 6 months of the tax year. You can either file jointly or separately (which will reduce or eliminate several credits). Usually jointly is best but student loans can be a determining factor. If you and your wife have lived together HOH is not an option.
Thanks! Nope haven’t lived together, her disability forced us to put her in a care facility. But I’m not going to divorce her over student loans. Again, appreciate the insight.
You don't need to be divorced to file HOH, just not living together for the last 6 months of the tax year and have a qualifying child, stepchild or foster child living with you that you support can qualify you.
If you have not lived together for the last 6 months of the year *and* you have a qualifying child living with you in a home that you provide (a requirement for HOH filing stratus) then you might be able to file HOH.