<prompt> Human: Hi all. I have a question regarding my wifes student loans and my income.My wife is finishing medical school this year, and has sizable student loans. Next year I will be made redundant, but will be receiving a decent termination package. After being terminated, I plan to stay home and look after our kids for 6-24 months, while my wife starts her residency. Given the low salary for residents, and that I will not be working, I would like to hold onto as much of the termination bonus as I can.Therefore, I want to know how we can ensure that the student loan folks wont try and take my bonus. We are currently filing our tax returns MFS to isolate my income from her student loans, and my wife plans to elect an income based repayment plan.  <response>: As long as you are making the minimum payments the loan servicer has no grounds to go after you for more. 