<prompt> Human: I got a degree from Ashford University online and now I have the opportunity to have my loans have a 0 a month payment and then excused after something like 20 years. This will only work if my husband and I file separately on our taxes this year because hubs makes to much for me to qualify. Would it be a good idea to file separately? Or should we just continue to file jointly and keep making the loan payments?Edit: thanks everyone for the answers. It looks like I need to do a lot of research and inquiries.  <response>: That will depend on how much you save as opposed to how much you would save if you filed married filing jointly. Theres really no one-size-fits-all answer here. Id run your taxes both ways both yours and your husbands and see which situation comes out better. Then file the cheaper returns. If you dont want to do the work, you can pay a CPA or Enrolled Agent to do it for you. 