There are several things you can do. First, you may be able to defer your student loans. Second, if you cannot do that there is a chance that you may discharge your student loans through bankruptcy. Third, it may be a good idea for your husband to file "innocent spouse." This may include you two filing separately. It's an excellent idea for you to talk to someone who is both a tax attorney and a Certified Public Accountant. You're in luck, I am that. I am also in Eagan, Minnesota, a suburb of St. Paul. Feel free to call me at 651-434-7590 or email me at email@example.com.
This answer does not create an attorney-client relationship.
Student loans, especially federally insured loans, can intercept tax refunds and might do so without warning if you & your spouse file a joint tax return.
Hope this perspective helps!