I have a question regarding getting my wife onto a IBR plan when she starts having to pay her student loans in July.
- Wife has large medical school student loans;
- My wife will need to start repaying her loans in July;
- She isn’t working while waiting for residency to start in July;
- I’m working earning $90k
- When my wife starts residency, I will quit my job to look after the kids
- We live in a community property state

for our 2013 return, if we MFJ we get a huge refund, and significantly less if we MFS. I understand that when it comes time to start IBR, they will want my wifes 2013 return, and will base her repayments on our MFJ AGI. However, given that I will stop working our monthly income will drop significantly. Therefore, can we just say that our 2013 tax return no longer reflects our financial status, and they will disregard out 2013 income?

Thanks!