If I'm the co-signer of a student loan and paid a portion of the loan in 2025, am I allowed to deduct the interest from my taxes?

[xmasbaby0]

Only the person whose name is on the student loan and who is legally obligated to pay the loan can deduct the student loan interest. If you co-signed then you are legally obligated to pay if the primary borrower defaults or does not pay.    If you did not sign or co-sign for the loan you cannot deduct the interest.

You cannot deduct student loan interest if you can be claimed as a dependent or if you file as married filing separately

There are phaseout amounts that are set for income levels according to your filing status, such as single, head of household, qualified surviving spouse or married filing jointly.

https://ttlc.intuit.com/turbotax-support/en-us/help-article/tax-credits-deductions/claim-student-loa...

https://www.irs.gov/help/ita/can-i-claim-a-deduction-for-student-loan-interest

[Hal_Al · Accepted solution]

You can claim the interest deduction, if you meet the three requirements:

1. You paid the interest
2. You are legally obligated to pay it (co-signing counts)
3.  The student was your dependent, at the time the loan was used to pay for qualified educational expenses