Hi, Amandaglows,
Yes, one of the common reasons people use the Married Filing Separately tax status is because of debt one partner has, including student loan debt. This article can give you some additional background. This article also talks more about Married Filing Separately.
One thing you didn't mention is what State you live in. If you live in a community property state (Wisconsin, Washington, Texas, New Mexico, Nevada, Louisiana, Idaho, California and Arizona), using married filing separately as your filing status can introduce some additional complications and may eliminate some benefits. This article addresses this topic.
What filing status to use can be a bit complicated. This article discusses some of the cons of using this status and you may also want to think about other federal benefits, like the ability to get the Premium Tax Credit if you are getting your health insurance through the Affordable Care Act (unless you qualify for an exception).
Hope this helps.
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Best,
Karen
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