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If there is an income disparity between spouses, then this can be an obstacle when it comes to your tax filing status.
This can also potentially make it difficult to qualify for income-based repayment programs, especially if one or both of you are currently using a federal repayment plan like Pay As You Earn (PAYE) or Revised Pay As You Earn (REPAYE).
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Then you can move on to other milestones you may want to achieve as a couple, such as buying a house or starting a family.
Despite the advantages outlined above, refinancing your student loan debt with your spouse’s is not always the best idea.
Instead, you must use a private refinancing company like Pen Fed.