Form 1098-E, Student Loan Interest Statement
Form 1098-E reports the student loan interest a lender or servicer received from a borrower during the year. Fill in the official IRS PDF below and download it.
This is the genuine IRS PDF, unmodified. Source: IRS official page.
What is 1098-E?
Form 1098-E, Student Loan Interest Statement, is an information return filed by anyone who receives $600 or more of student loan interest from an individual during the year in the course of a trade or business. Loan servicers file it with the IRS and furnish a copy to the borrower.
Borrowers use the amount in box 1 to figure the student loan interest deduction, which is taken as an adjustment to income, so it is available even without itemizing. Income limits and other conditions apply; see the current Form 1040 instructions.
Who files 1098-E?
- Student loan servicers and lenders that received $600 or more of interest from a borrower
- Financial institutions, governmental units, and educational institutions collecting qualified student loan payments
- A separate form is filed for each borrower meeting the threshold
- Borrowers receive the form and use it to claim the student loan interest deduction
How to fill out 1098-E
- Enter the recipient/lender’s name, address, and TIN, then the borrower’s name, address, and TIN.
- Fill in the account number if the borrower has more than one loan account with you.
- Report the total student loan interest received during the year in box 1.
- Check box 2 if box 1 excludes loan origination fees or capitalized interest for loans made before September 2004.
- Download the finished PDF, furnish the borrower copy, and file Copy A with the IRS by the deadline in the current instructions.
Quick fill 1098-E on this page
Prefer to see the form itself while you type? Open 1098-E in the editor to fill it on the actual pages, add a signature, and download.
Frequently asked questions
How much student loan interest can I deduct?
Up to the annual limit set by law, subject to income phase-outs. The deduction is an adjustment to income, so you can take it without itemizing. Check the current Form 1040 instructions for this year’s limit and phase-out ranges.
I paid interest but never got a 1098-E. Can I still deduct it?
Yes, if the interest qualifies. Servicers only have to send the form when they received $600 or more from you, but smaller amounts are still deductible with your own payment records.
I have loans with several servicers. Will I get multiple forms?
Each servicer that received $600 or more of interest from you files its own Form 1098-E, so add the box 1 amounts together when figuring your deduction.