What is Form 1098-E: Student Loan Interest Statement?-2026

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The document provides detailed instructions for completing Forms 1098-E and 1098-T, which are used to report student loan interest and tuition payments, respectively. It outlines who must file these forms, the requirements for reporting, and the necessary information to include. Additionally, it discusses electronic submission options, exceptions to filing requirements, and guidelines for providing statements to borrowers and students. The document emphasizes compliance with IRS regulations and includes references for further information.

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Click ‘Get Form’ to open it in the editor.
In Box 1, enter the total student loan interest received during the year. Ensure you include any capitalized interest and loan origination fees as required by regulations.
If applicable, check Box 2 if loan origination fees or capitalized interest are not reported in Box 1 for loans made before September 1, 2004.
Complete the recipient’s name, address, and telephone number box accurately to ensure proper identification.
If you have multiple accounts for a recipient, include the account number to avoid confusion.
Review all entries for accuracy before saving your completed form. Utilize our platform's features to sign and distribute electronically if needed.

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Where do I find my 1098-E for student loan interest?

Even if you didnt receive a 1098-E from your servicer, you can download your 1098-E from your loan servicers website. If you are unsure who your loan servicer is, log in to StudentAid.gov or call the Federal Student Aid Information Center at 1-800-4-FED-AID (1-800-433-3243; TTY 1-800-730-8913).

Is it worth claiming student loan interest on taxes?

The answer is yes. In fact, federal student loan borrowers could qualify to deduct up to $2,500 of student loan interest per tax return per tax year. As long as your student loan qualifies, you can claim the student loan interest tax deduction as an adjustment to income.

Where do I get my 1098-E or student loan interest?

You can download your 1098-E from your servicers website. (You cant download your 1098-E from StudentAid.gov.) If youre not sure who your loan servicer is, you can log in to StudentAid.gov to get your servicers contact information. You can also call the Federal Student Aid Information Center at 1-800-433-3243.

Do I need a 1098E to file my taxes?

The 1098-E form is used to report student loan interest that youve paid during the year. If you paid over $600 in interest, you can potentially deduct it on your taxes, which can reduce your taxable income. Learn more about Form 1098-E and find out if you qualify to save on your taxes with this deduction.

Where can I find student loan interest?

You can find the interest rate of your loans by logging in to StudentAid.gov and going to your My Aid page and clicking View Details. To find a full list of your loans, scroll down to your Loan Breakdown and select View Loans under each servicer name.

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How does a 1098-E affect my taxes?

You use the 1098-E to figure your student loan interest deduction. You can deduct up to $2,500 worth of student loan interest from your taxable income as long as you meet certain conditions: The interest was your legal obligation to pay, not someone elses. Your filing status is not Married Filing Separately.

Where do I enter my student loan interest on my taxes?

Regardless of how much interest you paid, the maximum you can deduct is $2,500. If youre eligible to deduct student loan interest, your deductible amount goes on Schedule 1 as an adjustment to income.