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Deductions & credits
No, do not check that you paid off or refinanced the second loan since it was just sold/transferred to a new servicer. In future years, for the now current loan unless you actually refinance, you can continue to deduct the points since it is a continuation of the second loan.
If you refinance that third loan you will then check the box indicating a refinance and deduct the remainder of the points in that year. Until that time you'll indicate you paid points just as you did for the second loan this year and not check the box.
For the payoff information page: For the first two loans you will enter the payoff information when asked to review the entries. The date of payoff for the first loan and the date of transfer for the second loan (box 11 on the most current 1098).
The payoff amount for the first loan and the amount in box 2 of the most current 1098 for the second loan.
Finally the ending balance for the current loan you can get from your first statement in January 2023 and leave the payoff date blank.
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