<prompt> Human: So here are some other details:We file separate because she does income based repayment on student loans. If we filed jointly my income would get included in that and her monthly payments would go up.I have itemized deductions driving for uber part time, plus a few more at my regular job. They may not exceed the standard deduction by themselves, but now that we are about to pay mortgage interest along with a PMI that wont be a problem.So I am assuming that if she takes the standard deduction on hers and I deduct the mortgage interest, PMI, and my other deductions then we will get the most back. Are we allowed to do this? Do we need to totally separate our finances different bank accounts or something to make this happen or can we just split up the interest however we please?  <response>: If one of you itemizes, the other has to itemize. As for how to split the mortgage interest, I dont know the answer to that, but Im sure someone else can help! 