My situation is similar to HeatherMae. I owe over 123k in law student loans and my husband has no student loan debt. We married post graduation. While unemployed, I was in forebearance for as long as possible. I now make 1/3 the salary of my husband. I started to "tackle" my student loan debt with IBR, filing married but separate. However, the CPA we now use tells us that because we live in Louisiana, we cannot file married filing separate. That because LA is a community property state, we need to file a "decree of parafinality," which I assume he means a "separate in property" agreement. This sounds wrong, as that would affect other rights in the marriage. Do you have any information on community property states and filing separate but married for student loan IBR? Or is there a publication with the IRS on this?