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My husband owes a federal debt for a few more years . that is why i was going to file married but separate.
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You can file a Form 8379 Injured Spouse Allocation when filing as Married Filing Jointly and your portion of a federal tax refund will not be seized for the debts of your spouse.
See this TurboTax support FAQ for a Form 8379 - https://ttlc.intuit.com/questions/1910698-how-do-i-file-form-8379-injured-spouse-allocation
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