Hello everyone, I am new to this forum, I have 3 important tax related questions about filing separate tax return to lower my loan payments under IBR.

1. I found out that the student loan repayment under IBR is higher for those who file as married filing jointly. Is it legal for me to file my tax return as married filing separately in order to lower my student loan repayment under IBR?


2. When should I begin to file separate tax return in order to apply for IBR? Should I do this once I complete graduate school or while I am in graduate school?


3. Once I pay off my student loan under IBR can I start again to file my tax return as married filing jointly in order to get back the losses of credits from American Opportunity Credit or Lifetime Learning Credit?

Thanks.

Newbie37