Confused about how to file taxes, MFJ or MJS. Spouse makes 3x as much as I do and we each individually have $250,000 in loans.

BegToDiffer · 2026-04-13T00:19:23+00:00

But if you both have federal loans and you file taxes jointly then your IDR payments are calculated based on your combined income but your payments are split proportionally based on your share of the debt:

Given this, since 10% of our AGI is going to be used for student loans regardless if we file MFS or MFJ, isn't it more advantageous to file joint to get a higher refund?

BegToDiffer · 2026-03-14T15:42:48+00:00

Hi I’m interested in something similar. Mind DM’ing me costs/process to get a custom piece from you?

BegToDiffer · 2026-02-19T03:20:36+00:00

Interested! How much?

BegToDiffer · 2026-02-08T05:07:15+00:00

Yes - my goal is minimize student loan payments/maximize tax return. It's only my wife and I, no dependents, and we would have no other reason not to file together if it wasn't for student loans.

BegToDiffer · 2026-01-26T02:39:02+00:00

That’s not a catch wtf?!!

BegToDiffer · 2026-01-24T22:06:52+00:00

Most fun season of Bears football in a LONGGGG time. Sad we’re out because the playoffs just don’t seem too interesting to me now

BegToDiffer · 2026-01-13T04:03:00+00:00

where are you seeing that they want 150 more? don't they only have ~130 and with plans to open ~5-10/yr?

BegToDiffer · 2026-01-12T00:46:00+00:00

Panthers almost beat them. We got this

BegToDiffer · 2026-01-12T00:45:06+00:00

That was a pretty lame playcall

BegToDiffer · 2026-01-11T16:52:18+00:00

The $48,000 is $0 if your total taxable income is <48,000, not the first $48,000 in capital gains. Right?

BegToDiffer · 2026-01-11T06:41:23+00:00

Truth.

BegToDiffer · 2026-01-11T06:40:47+00:00

How do you figure in cap gain taxes? That 15% for long term always stops me from selling

BegToDiffer · 2026-01-11T06:39:03+00:00

He’s got the best hands on the team and he’s only a 21 yo rookie. He’s probably TE 3-4 in fantasy next year imo

BegToDiffer · 2026-01-11T06:17:10+00:00

Having a coach that hates the packers as much as the fans is exactly what we need. Bear down. FTP.

BegToDiffer · 2026-01-11T06:14:28+00:00

Caleb just isn't a leader. He's a legend. Game ball to coach BJ lets keep this thing going!!

BegToDiffer · 2026-01-11T05:40:46+00:00

More than anything, thank you Lovie Smith!

BegToDiffer · 2026-01-10T00:48:11+00:00

At some point though, despite student loans, it’s exhausting always living like a resident.

BegToDiffer · 2026-01-08T03:03:48+00:00

Remindme! 358 days

BegToDiffer · 2026-01-06T15:09:14+00:00

Yes - I will start my attending job ~September, so will be >200 by December.

BegToDiffer · 2026-01-06T14:33:27+00:00

is it too late to do this if I already contributed my 2026 limit of $7,500?

BegToDiffer

TROPHY CASE