Please consider registering
sp_LogInOut Log In sp_Registration Register sp_MemberList Members
Register | Lost password?
Advanced Search
Forum Scope


Forum Options

Minimum search word length is 3 characters - maximum search word length is 84 characters
sp_Feed Topic RSS student-icon
will filling jointly affect my IBR renewal status?
February 20, 2015
8:14 pm
New Member
Forum Posts: 1
Member Since:
February 20, 2015
sp_UserOfflineSmall Offline


3 years ago I put my 38K loan in IBR status. 2 years ago I got married. So my spouse and I filed jointly based on our CPA’s advice for 2013. Will this adversely affect my IBR status? If so should I file separately this tax year?


February 20, 2015
8:48 pm
Forum Posts: 373
Member Since:
May 3, 2014
sp_UserOfflineSmall Offline

Hi Shane,

To answer your questions, filing jointly vs. separately will absolutely affect your IBR payments. If you file jointly both your incomes are used in calculating your IBR payments, but filing separately means they will only use your income. When deciding one filing jointly vs. separately you have to compare the tax savings against the IBR monthly payment savings. What is best will vary from situation to situation.

We explored this topic in detail in this article, hopefully it will help: https://studentloansherpa.com/…..repayment/

Good luck,


Forum Timezone: America/Indiana/Indianapolis
Most Users Ever Online: 27
Currently Online:
Guest(s) 1
Currently Browsing this Page:
1 Guest(s)
Member Stats:
Guest Posters: 174
Members: 7263
Moderators: 0
Admins: 2
Forum Stats:
Groups: 1
Forums: 5
Topics: 277
Posts: 815