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emac827
Level 1
April 15, 2026
Question

Can I use student loan interest from a previous year that was not used

  • April 15, 2026
  • 2 replies
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2 replies

Hal_Al
Level 15
Hal_AlLevel 15
Level 15
April 15, 2026

No.  But you may file an amended previous year return, if you only forgot to deduct it.  But, if you couldn't use it last year, you are not allowed to use it this year. It can only be deducted in the year it was paid. 

MaryK4
MaryK4
Level 15
April 15, 2026

No, you cannot carry forward unused student loan interest from a previous year to your 2025 tax return.  The student loan interest deduction is a "use it or lose it" benefit. According to IRS rules, you can only deduct interest in the year it was actually paid.

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