Hi,

My partner and I filed Married-Jointly and realized it set the payments too high.  We then amended our returns to Married-Separate and notified the loan dept., which lowered the payments.  However, our amendment was denied due to timing issues and we will be held at the Joint filing.  How will this effect us in 2017 since we will have to provide 2 years of Tax Returns?  Will they noticed that the 2015 Return remained at the Married-Jointly and be upset?  Can we use our proof of attempt to amend as some kind of defense?