<prompt> Human: Its not quite tax season yet, but my husband and I typically file together because we have no reason not to.Now I have around 60k in student loan debt that I start paying back next month. He has about 10k but hes still in school for another year so hes not required to make payments yet. So should we file separately? If so, why?Edit: I forgot an important part: I am going to be on IBR because my job is crappy right now and doesnt pay much. Im working on finding something better but it will take time.  <response>: One of my tax clients files separately from his wife because of IBR. The difference in the overall tax situation by filing together - and the impact on his IBR payment - made it more feasible to do it that way.Since your husband doesnt have income, it would probably make more sense to file together so you can take advantage of the above-the-line student loan interest deduction up to 2,500year. Once he starts working and making money, it would be worth exploring separately, but it may ultimately depend on if you want lower taxes or lower student loan payments.. 