Joint Tax prep for Student Loans?

Hi y’all, Property Tax pro here with a question for my income tax cousins.

I am getting married in March. My Fiancé is starting law school in August and I will be our sole source of consistent income during those 3 years. We are paying the first years tuition in full, and taking out federal loans for the remaining amount for the next 2 years (total of around a $40k loan).

My question is: when we apply for the loan, we will be married. Should we file joint or individually? From my understanding, for loan purposes there are pros and cons to each. She may receive some income during this time from paid summer associate positions, but not relying on that chance.