No, you cannot claim the student loan interest unless you are legally liable for paying the interest. You must meet all of the following qualifications to claim the student loan interest:
- You paid interest on a qualified student loan in tax year 2019.
- You can take the deduction as a student, or as a parent making payments on your dependent student’s loan. However, you or your spouse, if filing jointly, can't be claimed as dependents on someone else's return.
- You're legally obligated to pay interest on a qualified student loan.
- Your filing status isn't married filing separately.
- Your MAGI is less than a specified amount, which is set annually.
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