Married Filing Separately then Refile to MFJ IBR Is this actually a valid strategy? My wife graduates June of 2026 with more than six figures of federal loans. Payments need to start in December of 2026. Unfortunately I MFJed for 2025 already, so I assume December 2026-December 2027 payments would be based on our 2025 MFJ return (shouldn't be too bad anyway since she didn't have income 2025). But then we follow this schedule: April 2027: file MFS for our 2026 taxes. December 2027: recertify our payments, but now payment is based on wife's 2026 income alone. April 2028: file MFS for our 2027 taxes. December 2028: recertify our payments, payment based on wife's 2027 income. April 2029: file MFS for our 2028 taxes. Submit a 1040X to refile our 2026 return as MFJ. December 2029: recertify our payments, payment based on wife's 2028 income. April 2030: file MFS for our 2029 taxes. Submit a 1040X to refile our 2027 return as MFJ. December 2030: recertify our payments, payment based on wife's 2027 income.…