For student loan forgiveness, with the TCJA enacted through December 2025, student loans forgiven are usually sent a 1099-C. However, it isn't reportable due to tax law changes up to that timeframe for student loan discharges and forgiveness. Topic No. 431 explains more in detail. That is on the federal level; depending on the state, they are all different and may be taxed as income. For amending and refund questions DianeW777 makes a very good point about amending.
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