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Reply to "Daughter married a doctor, he’s pressuring her to pay off his student debt"
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[quote=Anonymous][quote=Anonymous]Well considering that they are married and likely filing jointly, then her income counts towards his income and increases the amount of payment he owes if he is uses a payment plan for federal loans. I have no idea about private loans. The SAVE plan mentioned here is 5-10% of discretionary income for married filing jointly, [b]unless you file separately and then you can only count his income but may lose tax benefits. [/b] They got married, his debt is hers because her income is hers. Especially when it comes to student loans. [/quote] Tax benefits are dwarfed by the dramatically higher monthly payment under SAVE. Married filing separately is the way to go if you're pursuing PSLF. The only way it makes sense to do married jointly is if your spouse is stay-at-home (aka, a tax shelter). [/quote]
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