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One last question if anyone knows....My husband's repayment check was cashed in 2020 so I am dealing with it now on the 2020 tax return.  My repayment check was just cashed 3 weeks ago in 2021(delayed due to coronavirus) but repays 2019 & 2020.  I know that the SSA-1099 I get at the end of 2021 will not show the repayment because it crosses tax years.  My question is can I include my repayment check with I recalculate the 2019 taxes or do I wait till next year and repeat this process with my own check when I do the 2021 taxes?  His repayment was $17,251 and mine was $10,752 so both amounts are significant enough to want to claim tax credits.  Just not sure which year to claim mine since the check was cashed in 2021.