When to worry about filling jointly or separately because of student loans?

Hi There.

My wife is a student and will graduate only next year (2026). Do I need to worry about deciding to fill jointly or separately this year or only for the year she will graduate?

posted

You will not have to worry until she starts making payments on her student loans, which is usually six months after she graduates.

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If my IRA goes through my employer and 401K, do I need to report it separately under deductions and credits?

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