<prompt> Human: Hey reddit,This is the first year my husband and I are married. He owes the IRS about 4K from last year. If we file together, I believe we will get more back. If we do, that full amount will go towards that balance correct?If we dont file together, would I receive my 1-2k tax return that I am expecting? Or would both of our tax returns still go towards his balance? Any suggestions on which way to go?Also, side question... should we consolidate our student debt? Both of us are public servants and will get our debt forgiven after 10 years of payments. Thanks!  <response>: Do whatever nets you the biggest refund without considering the debt. Even if the IRS keeps the whole refund you will have paid down that debt all the faster. 