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@Chattyme wrote:

she doesn't pay us anything. in fact she has been paying down her loans. are we able to claim those payments on our taxes even though loans are in her name? we have been claiming payments made directly to school and supplies, books. she lives at home. no on campus living.


Then she is not providing over one-half of her own support if only paying down loans.  You should be able to claim her as your dependent on the 2020 tax return.