Yes, unfortunately, if the child is not a dependent on your tax return, then you cannot claim the student loan interest that you paid.
If the child is a dependent on your tax return, you must also be legally obligated to pay the loan in order to deduct it. So, if the loan is in your child's name, then you can't deduct the interest even if the child is your dependent.
The only way you can report student loan interest as a parent is if you are claiming the child as a dependent and you are legally responsible for the loan, meaning that you are the signer or co-signer.
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