My understanding is that IBR payment is a percentage of your household income if married. In that case can the payment actually be more than your individual income if your spouse earns more? (Especially if you are unemployed and have $0 income).
I read somewhere that marrying someone does not make you responsible for their student loans, but in the above case seems like you will be responsible, and forced to pay for your spouse's loan. Can someone clarify. Thanks!
Update: The answer to whether you are expected to make payment without income (if your spouse has income) seems to be a YES.
The reasons for it however are unsatisfactory, and one of the following:
- A twisted version of "spouse is not responsible but it is expected to come from spouse's paycheck" - however you hash this, this is bad logic.
- Communal income - this makes more sense, but this applies only to 9 states in the US so not a comprehensive solution. https://www.investopedia.com/terms/c/communityincome.asp
- You file taxes together, so you are collectively responsible - this is also fine(for sake of this argument), but goes against the claim that spouse is not responsible (this is actually a version of #1)
I don't intend to argue the validity of above answers especially #1, but if (only) there is any other answer please provide below. Thanks!