Long story short, my tax accountant messed up my tax documents and mine and my wife’s taxes are now going to be married filing jointly. We had been on the pay program and had a very reasonable rate last year as only my income counted as we filed separately. Now it is going to be much higher as it shows both our incomes as discretionary income. My resident salary is approximately 55K per year and my wife makes approximately 40 K. My question is, is it worth switching over to repaye or sticking with paye for one year? Does anyone have experience with either switching or know the short or long-term benefits of doing so?