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How To Take a Tax Deduction for Tuition and Fees 
 
by kmhagen August 05, 2005

What Is the Maximum Deduction?

You can deduct your actual qualified expenses up to a maximum, depending on your modified adjusted gross income (MAGI):

  • MAGI up to $65,000 ($130,000 if married filing jointly):  Maximum deduction of $4,000.
  • MAGI from $65,001 to $80,000 ($130,001 to $160,000): Maximum deduction of $2,000.
  • MAGI greater than $80,000 ($160,000):  No deduction allowed.

Modified adjusted gross income, for this purpose, is your adjusted gross income before the tuition and fees deduction, and if applicable, before any foreign earned income or foreign housing exclusion (Form 2555).

Reporting

The educational institution should send a Form 1098-T, Tuition Payments Statement, showing either the amounts the institution received or the amounts it billed for tuition and fees.  They may request a Form W-9S, Request for Student’s or Borrower’s Taxpayer Identification Number and Certification, for purposes of sending the Form 1098-T.

You claim the tuition and fees deduction by entering the amount on the appropriate line on Form 1040 or 1040A.  There is no separate schedule to complete.

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