President Obama's 2015 proposed budget includes a measure that would require married persons with Federal Student loan debts to include their total household AGI when calculating student loan IBR payments. Currently borrowers have the option of filing "married seperate" and give up the majority of available tax credits to do so. Congress ended the marriage penalty contained in the original policies governing IBR in 2007. These measures, if passed would reenact that marriage penalty. Cohabitating unmarried persons will not face similar penalties.



