Fill out Form 1098-E (Student Loan Interest Statement) online
Form 1098-E reports the amount of student loan interest paid by the borrower during the year. Lenders and loan servicers issue this form when a borrower pays $600 or more in student loan interest, which may be deductible as an above-the-line adjustment to income.
How to fill out Form 1098-E (Student Loan Interest Statement)
Enter lender and borrower information
Fill in the lender's or loan servicer's name, address, phone, and TIN. Enter the borrower's name, address, and SSN.
Report student loan interest received
Enter the total student loan interest received from the borrower during the year in Box 1. This includes interest on both the principal and any capitalized interest paid.
Report any reimbursements or refunds
If any interest was refunded or reimbursed to the borrower during the year for a prior year, enter that amount in Box 2. This reduces the amount the borrower can deduct.
File and distribute copies
File Copy A with the IRS by the filing deadline. Provide Copy B to the borrower. The borrower uses the amount in Box 1 (minus Box 2) to claim the student loan interest deduction on Schedule 1 of their Form 1040.
About Form 1098-E (Student Loan Interest Statement)
Who needs this form
Lenders, loan servicers, and government agencies that received $600 or more in student loan interest from a borrower during the year. Borrowers receive a copy to claim the student loan interest deduction on their federal tax return.
Where to submit
Lenders file Copy A with the IRS by the applicable IRS filing deadline for the filing year. Provide Copy B to the borrower by the deadline listed in the latest official instructions.
Source and content freshness
- Reviewed: 2026-02-24
- Filing deadlines may shift for weekends and holidays. Verify due dates with official instructions.
Common mistakes to avoid
- Not claiming the student loan interest deduction because you did not receive a 1098-E (interest under $600 is still deductible)
- Claiming the deduction when your modified adjusted gross income exceeds the phase-out limit
- Including interest paid on loans that do not qualify as student loans (e.g., personal loans used for education)
- Deducting capitalized interest in the wrong year (it is deductible in the year actually paid)
Frequently asked questions
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Can I deduct student loan interest if I did not receive a Form 1098-E?
Yes. You can deduct up to $2,500 in student loan interest even if you did not receive a Form 1098-E. Lenders are only required to send the form if you paid $600 or more in interest. Check your loan account statements for the total interest paid during the year. The deduction is subject to income phase-out limits.
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