I have been on the hardship/unemployed deferment plan with my consolidated loans. I am worried about using up my maximum deferment period. If I file taxes separate from my husband, and I continue to be unemployed will I be able to get onto an IBR plan?

Thanks.

IBR is often the best choice for borrowers with low income (for example because they are unemployed).

Check for IBR qualification using one of the online calculators you can access through my Tools page http:askheatherjarvis.com/tools

Some married borrowers will only qualify if they file separately, but that depends on a borrower’s personal circumstances.