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머니/재테크 세금/세무

Q. student loan 세금 공제

지역New Jersey 아이디3**sn**** 공감0
조회2,281 작성일3/1/2012 4:59:45 AM
안녕하세요?
저는 40대초반인데 3년전에 공부를 마치고 현재 student loan을 갚고 있는데요, 첫해에는 세금공제 혜택을 받았는데 작년에 세금보고시에는 공제리스트에서 해당되지 않는 걸로 나와 공제를 받지 못했습니다.(인터넷으로 세금보고함). 10년간 loan을 갚는 과정에서 10년간 모두 혜택을 받지 못하나요?

항상 감사합니다.
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전문가 답변글
에드워드 김 님 답변 답변일 3/1/2012 10:59:44 AM
student loan interest를 매년 최고 $2,500까지 세금공제에 사용합니다. 이것은 사람마다 다르겠지만 student loan이 남아있는 동안 지불하게 되는 이자를 공제하는 것입니다.

세금공제에 사용하지 못하는 것은 소득이 $60,00/$120,000 기준에 도달하면서부터 줄어들어 $75,000/$150,000이 되면서 받지 못하는 소득의 제한 때문일 것입니다.
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답변일 3/1/2012 11:15:59 AM
“10년간 loan을 갚는 과정에서 10년간 모두 혜택을 받지 못하나요?”---->You can deduct student loan interest paid during the remaining period of your student loan as long as it was taken out to pay for qualified education expenses paid or incurred within a reasonable period of time before or after you took out the loan. Student loans usually have the lowest interest rates of any loan, and you might be able to deduct the interest you pay. However, not all student loan interest is tax-deductible and you must meet IRS requirements for claiming this deduction. You cannot claim this deduction if you are married but filing separately. The student-loan interest deduction is eliminated for taxpayers with modified adjusted gross incomes, NOT AGI, above $145,000 (for MFJ)and for individual filers above $70,000. A MAGI above these values disqualifies the taxpayer from taking the deduction.Eligible student-loan interest is interest you are legally obligated to pay (your name is on the loan); the money must have been used only to pay for education expenses, and the loan cannot be from a person you are related to, or from an employer retirement plan like a 401(k) or 403(b). Total up all the interest paid for the year on all such loans. If this amount is less than $2,500, that is the eligible amount. If it is greater than $2,500, only $2,500 is the eligible amount. Generally, the amount you may deduct is the lesser of $2,500 or the amount of interest you actually paid.you need to determine if your income excludes you from taking the deduction. After you graduate, student loan interest is still deductible to whoever pays off the loan.
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