Some of my husband’s loans qualify for a PSLF. I do not earn an income. Our IBR was determined based on our incomes and our combined loans. Currently, we file jointly.

I’ve searched everywhere and called DL, but haven’t gotten a concrete answer. When my husband’s PSLF are forgiven, I will still have my loans, and I still will not have an income.

Once his loans are forgiven, do we have the option of switching our filing to separately so it is based on my income and not his? Are you allowed to switch filing in the middle of IBR? Or after a certain number of years? Or is it best to establish married/separately now?

Thank you very much for your time and thoughts.

Nell