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If you are eligible for the Retirement Savings Credit (Savers Credit) but DO NOT want to claim it, you can elect to do so by indicating that you are a "full-time student" (even though you are not). Indicating that you are a full-time student does not change your return in any way, except that it makes you ineligible for the Savers Credit.
To elect out of claiming the Savers Credit, even though you qualify to claim it, please follow these instructions:
Please click the link to this TurboTax FAQ for more information: What is the Savers Credit?
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