My husband recently started a job working for the federal government making 39,000 base (some fluctuations there with shift differentials and such).  I work for the county government at $46,000.  He has $54,000 in student loans.  I have 92,000.  I recently submitted the paperwork for him to be on IBR thinking that we would start planning for PSLF. 
Typically, we file jointly but have been considering the alternative.

I just ran the numbers (plus we have 2 children) and my payment would be int he range of $360-954 and his would be $206 to $578 with both of us having a 0 in the ‘how much would be forgiven under PSLF’ column.  Is this really the case?

I have read through the articles/forums on filing jointly vs. separately.  I’m still not sure what’s best for us.  At this point, I’m in disbelief that we’d have 0 loan forgiveness. 

Is that an accurate picture??

Where are you running the numbers? All I can think of is that your loans are not direct loans, and therefore wouldn’t qualify. However, a lot of loans that do not qualify can be consolidated into a single direct consolidation loan which would qualify. Even if your loans are federal loans, they MUST have the word “direct” in their title to qualify. So, check to see what types of loans you have, and see if you can consolidate into a direct consolidated loan.

I ran the numbers through studentloans.gov

My loans are all direct, including the ones I just finished consolidating for my husbands.  They are Direct Subsidized and Unsubsized loans. 

I use the above address, input our data and get those numbers.  :-(

I see a “projected loan forgiveness” field which is 0 for me as well, but this is not related to PSLF. It is only for the 20-25 year forgiveness which if your estimated payoff time is less than that, it would be zero. I don’t think that it calculates pslf