My wife and I have historically filed joint tax returns and paid of her student loans with a standard plan.

My wife now quit her job which will make it advantageous for the current year (2024) to file separately and use SAVE to repay her loans

Anybody have experience how I would prove this to loan servicer (Nelnet)? What docs would they ask for given that 2023 return was still joint?

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You cannot exclude spousal income unless you file separate. Better luck next year.

Yea unforutnately you would have to file separately to exclude one persons income. My husband and I had to do the same thing a few years back. Our accountant told us it would be better to file separate so that is what we did.

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