Hello All, I need some advice. My wife and I have been married for 6 months now. Before marriage, my then girlfriend, worked full-time and gave every indication that she would work after marriage but now she doesn't. To make matters more complicated, my wife has $70,000 worth of government sponsored student loans. Her monthly payment prior to marriage was a mere $60 / month. But since we got married and started filing taxes jointly, the payment has jumped up to $500 / month given my high income and the fact that the government will take in to account our combined income even for student loans taken prior to marriage. If we continued to file separately of course our combined tax bill would be much higher (well over 12*$500 = $6000 annually) than if we filed separately. She refuses to get a job that that would earn her $500 / month because she says that it would interfere with her long term aspirations to become a writer - which I support. She insists that next year we should file separately and I should pay the married-filing-separately-tax-rate so that she can revert back to $60 / month (which again I would pay). Otherwise, I should be happy to pay for her $500 / month student loan payment since it's helping lower my tax burden. What should I/she do?