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And we called it a "loan" though it was more of a gift, I can be very stubborn about reaching out for help. He does not want me to repay him. Not trying to 'convince' anyone, just seeking some advice. I'm not familiar with the cans and can'ts when it comes to tax returns. I've only filed single and then I became a stay-at-home mom when I was with my ex (most of the reason I went through a rough patch, I wasn't working therefore I didn't have a nest egg or any recent work experience). He used to claim my daughter and I.