Why sign in to the Community?

  • Submit a question
  • Check your notifications
Sign in to the Community or Sign in to TurboTax and start working on your taxes
New Member
posted Jun 4, 2019 3:17:27 PM

How do you handle issuing 1099s of loan amounts to ees if they have a multiyear forgiveness schedule? 1099 the full amount in year paid, or 1099 the amount forgiven?

We issued an 80,000 loan to an employee in 2017 and have included a 4 year forgiveness schedule, with the first date of forgiveness being 12/31/2018. Do we issue him a 1099 for 2017 for the full 80,000?  Or do we issue him a 1099 in 2018 for the amount of the forgiveness?

0 2 3188
2 Replies
Level 13
Jun 4, 2019 3:17:28 PM

I would say "none of the above."  You made a loan and loans are not reported on 1099-MISC's and you didn't incur a deductible expense.   (I assume that you really dotted your i's and crossed all your t's in setting up this loan such that it's not considered immediate compensation by the IRS.)  When you forgive a portion of the loan you've created compensation to the employee, compensation that gets reported on a W-2.

Level 15
Jun 4, 2019 3:17:29 PM

You add the amount of the forgiven loan to their W-2 box 1 income each year, and deduct the appropriate payroll tax (employer share of FICA and medicare tax), as well as federal and state withholding.

Basically, treat it as a cash bonus and apply the same withholding rules.

Because this is an employee, anything of value that you provide to an employee in return for their services is considered taxable wages.