got married the other day. How should my new wife and I file for 2018? We have 30 days to file marriage liscence with the state and plan to do so after Jan 1. We both have massive student loans, the payments of which, once our incomes are combined, will surely rise. Can we file single head of household this year to avoid our student loans going up? If we have to file as married, how best to file, jointly or single?