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Student Loan Center

Use: student loan, student loan consolidation, federal student loan, private student loan, refinance student loan, private student loan, student loan grant, student loan online application, guaranteed student loan, low interest student loan.

We believe that everyone has the right to pursue an education. Our goal is to make the financial aid process as simple and quick as possible.

Visit these carefully selected top rank student loan providers, find the loans and grants that already helped millions of students achieve their education goals and pursue advanced careers.

Student Loan Frequent Asked Questions and Answers

My parents took out a student loan, but I'm now an independent taxpayer making the payments. Who can claim the deduction--me or my parents?

This is another "catch-22" situation in which neither you nor your parents may benefit from the deduction. Even though you are making the payments, you did not take out the loan and do not have primary responsibility for repaying it. 

Your parents are not eligible for the deduction because they did not pay the student loan interest. Always remember that it is the taxpayer's responsibility to figure and claim the Student Loan Interest Deduction correctly.

My parents took out a parent loan on my behalf and I took out a student loan because I was not their dependent. Who can claim the deduction--me or my parents?

Parents may claim the deduction if they paid interest on a loan taken out solely to pay the " qualified higher education expenses " of someone who was a dependent at that time. 

Since you were not your parents' dependent when they took out the loan, they are not eligible for the deduction on the parent loan, but you may claim the deduction for your student loan if you satisfy all the eligibility requirements. 

Keep in mind that it is the taxpayer's responsibility to figure and claim the Student Loan Interest Deduction correctly.

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