Should my husband and I file separately to avoid refund interuption?

[SweetieJean]

What type of refund interruption? Do one of you owe back taxes, student loans, child support, etc?
Are you in a Community Property State?

[lisa-yahl]

I owe student loans debt, I have progressive MS and unable to work. I applied for loan forgiveness but it hasn't went through yet. We truly need to get refund to pay medical bill

[SweetieJean]

Which state do you live in?

[lisa-yahl]

I'm not in a community property state

[lisa-yahl]

Ohio

[SweetieJean · Accepted solution]

It would be better to file Married Joint, and have him complete an Injured Spouse form. You lose tax credits when filing Separately.

https://ttlc.intuit.com/questions/4108648-how-to-fill-out-injured-spouse-form

Consider filing for SSDI.