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This has happened to me this year. I am the co-signer for my daughter's loan and we both received a 1099-C for the amount. I called Sallie Mae and explained the situation and they told me to contact a tax expert. 

 

I have read a couple of different answers to this situation.

So - Should I file my taxes without claiming the 1099-C -or- not claim it and include a letter stating why it wasn't reported on my taxes?