sorry about the confusion. i am trying to see if i need to do amendment of my 2021 tax return. The friend is very close of mine and interest is not that important as long as she pays me back. Currently she is paying monthly to my bank account. I am counting them toward to my principle only. ( so monthly about $2200 in 2021). She could pay the interests in the lump sum amount in 2022.
so for year of 2021...do i need to report that monthly payment? my guess is not...because they are toward to the principle, not including interests.
thanks again!
