I just want to echo what others have said here - you're absolutely doing the right thing by filing with the correct amount based on your actual payment records. I went through something very similar last year with my mortgage servicer who somehow "forgot" to include two months of payments on my 1098. The key thing that gave me confidence was realizing that the 1098 is just an information document - it's not the final word on what you can deduct. The IRS cares about what you actually paid, not what your mortgage company remembered to report. One thing that really helped me was creating a simple spreadsheet showing each payment I made, the date, the interest portion, and cross-referencing it with my loan statements. Having everything laid out clearly made me feel much more confident about my numbers and gave me a clean document to keep with my tax records. Don't let their incompetence cost you $120 in additional refund! File with the correct amount and rest easy knowing you're reporting accurately. The documentation you already have (loan statements and your communication attempts) is more than sufficient to back up your deduction if anyone ever asks.

This thread has been incredibly helpful! I'm dealing with a very similar situation where my mortgage company left off several months of interest payments from my 1098, and I've been stressing about whether to wait for a corrected form or just file with my own records. Reading everyone's experiences has given me the confidence to move forward with filing using the correct amounts from my loan statements. It's clear that the IRS wants accurate reporting of what was actually paid, regardless of what the mortgage company managed to include on their form. I especially appreciate the practical tips about keeping detailed documentation and the reassurance that CP2000 notices, if they even come, are routine and easily handled with proper records. It's also good to know that so many people have successfully filed this way without issues. For anyone else in this situation - don't let your mortgage company's mistakes delay your refund or cost you legitimate deductions. File with confidence using your actual payment records and keep good documentation. Thank you to everyone who shared their experiences here!

This thread has been absolutely invaluable! I'm in the exact same situation with my 19-year-old who just started college full-time but is living at home. Reading through everyone's real experiences has given me so much more confidence than the vague IRS publications I've been trying to decipher. What really stands out to me is how consistent everyone's approach has been: stay within the school's published off-campus housing allowance, keep reasonable documentation of household expenses that benefit your student, and verify enrollment status each semester. It's reassuring to see that multiple families have successfully navigated this without needing formal rental agreements or overly complicated tracking systems. I just downloaded our college's Cost of Attendance document (shows $13,400 for off-campus room and board) and started a simple monthly log of expenses like groceries, utilities, and internet that support my son's education at home. Based on what everyone has shared, this straightforward approach should provide solid documentation if ever questioned. One thing I really appreciate from this discussion is learning that the IRS recognizes the real costs involved in supporting a college student at home, even without traditional rent payments. That was my biggest concern going into this. Thanks to everyone who took the time to share their experiences - this thread should definitely be bookmarked for other parents dealing with the same situation!

I'm in exactly this situation with my daughter who's a sophomore living at home while attending university full-time. After reading through all these helpful experiences, I wanted to share what I learned from my tax advisor that might be useful for others. The key insight that gave me confidence was understanding that the IRS doesn't expect you to create artificial rental arrangements with your own child. Instead, they recognize that supporting a college student at home involves legitimate costs that can be covered by 529 funds up to the school's published off-campus housing allowance. Here's what I've been doing that feels both simple and audit-ready: 1) Downloaded my daughter's school's official Cost of Attendance document ($12,600 for off-campus room/board) 2) Keep a basic monthly record of her reasonable share of household costs (utilities, groceries, internet for coursework) 3) Save enrollment verification each semester showing she's full-time 4) Make sure my annual 529 withdrawals don't exceed the published allowance One tip that really helped me: I created a simple one-page summary each year showing the school's allowance, my total withdrawals, and a basic breakdown of housing costs. Having everything organized on one page makes it feel much more manageable and professional if ever questioned. The peace of mind from knowing this is a legitimate and common use of 529 funds has been huge. Thanks to everyone who shared their experiences - this thread has been incredibly helpful for navigating what initially seemed like a confusing process!

I'm experiencing the same frustrating issue! After reading through all these helpful responses, I wanted to share what finally worked for me. I tried Amy's search function tip first - just typed "W2" in the search bar at the top of UKG Pro and it immediately brought up my tax documents. Such a simple solution that I never would have thought of! For anyone still struggling, I also found that the exact menu path can vary by company. In my organization's setup, the W2s ended up under "Myself" > "Benefits & Pay" > "Year-End Tax Documents" rather than just "Pay" like Tyler mentioned. It seems like different companies have customized their UKG Pro interfaces differently after the update. I really appreciate Andre's HR perspective about the Employee Self Service permissions - that explains why the rollout has been so inconsistent for different employees. It's disappointing that UKG and companies aren't communicating these major interface changes better, especially during tax season when people are already stressed about deadlines. Thank goodness for communities like this where we can help each other figure things out! Going to bookmark this thread for next year since they'll probably move everything around again. Thanks everyone for sharing your solutions - you've saved me hours of frustration!

I just wanted to add my experience after struggling with this same issue for days! After trying everything mentioned here, what finally worked for me was a combination of approaches. First, I cleared my browser cache and logged out/back in like Paolo suggested, which gave me the updated interface. Then I used Amy's search function tip - typed "W2" and it immediately showed my tax documents. What's interesting is that in my company's UKG Pro setup, the documents were actually under "Myself" > "Compensation" > "Tax Documents" - yet another menu variation! It really seems like every company has customized their interface differently after this update. I also want to echo what Andre mentioned about Employee Self Service permissions. I called our HR and found out they had to manually enable tax document access for employees hired after September, which is why some of us couldn't see anything even when we were looking in the right places. For anyone still having issues, don't forget to also check if your company requires you to accept an electronic delivery consent form first. I had to do this before I could access any of my tax documents electronically. Thanks to everyone who shared their solutions - this thread literally saved my tax filing deadline! The search function tip should honestly be pinned at the top since it seems to work regardless of how your company has organized their menus.

This is such a comprehensive discussion! I'm in a similar boat - considering lending my sister $16,000 to help with some medical debt and home repairs. After reading through all these responses, I feel much more confident about how to structure this properly. One thing I'm curious about that I don't think was mentioned - if we set up the loan with the minimum AFR rate but my sister struggles to make payments at some point, what are the tax implications of loan forgiveness? Like if after a year she's only able to pay back $10,000 and I decide to forgive the remaining $6,000, does that count as a gift for tax purposes? Also, I noticed several people mentioned the current AFR rates being around 3-4%, but these change monthly right? Should I lock in the rate at the time we sign the promissory note, or does it need to adjust each month? Want to make sure I get this detail right since it seems like proper documentation is so crucial. Thanks to everyone who shared their experiences - this thread is going to save me a lot of headaches!

Just want to add a practical tip from my experience - when you're setting up the promissory note, include a clear payment schedule with specific due dates (like the 15th of each month). This makes it much easier to track whether payments are being made on time, which the IRS looks for if they ever question whether it's a legitimate loan versus a gift. I also recommend including language about what happens if payments are late (like a grace period) and what constitutes default. It might feel awkward to include these details for family, but having everything spelled out actually protects your relationship by preventing misunderstandings later. One more thing - consider having your brother-in-law sign the promissory note in front of a notary. It's not required by the IRS, but it adds another layer of legitimacy to the documentation and only costs about $10-15. Given that you're dealing with $19,000, the small extra cost for notarization could be worth it for peace of mind. The approach you've outlined based on everyone's advice sounds solid. Just make sure to save copies of everything (the promissory note, payment records, any gift documentation) in a dedicated file - you'll thank yourself later if questions ever come up!

Great to see you found what you were looking for! Just want to add a quick tip for anyone else in a similar situation - if you're printing the employee copies on perforated paper, make sure to test print one sheet first to check the alignment. Sometimes the margins can be slightly off depending on your printer settings, and you don't want to waste a whole pack of expensive perforated paper. Also, even though you're handling this yourself to save costs, consider keeping records of where you downloaded the templates and when, just in case you need to reference the source later for compliance purposes. The IRS likes documentation trails, especially for small businesses.

For anyone still looking for 4-up W2 templates, I'd also suggest checking your local office supply store's website. Places like OfficeMax and Staples often have free downloadable templates that are specifically designed to work with the perforated W2 paper they sell. The templates are usually tested to align perfectly with their paper products. One thing I learned from my CPA is that even though you can print employee copies yourself, it's worth investing in good quality paper and toner for W2s. Your employees will appreciate forms that look professional and are easy to read when they file their taxes. Plus, if they need to mail copies to state tax agencies, clear, crisp printing helps avoid processing delays. Also, don't forget that most states require you to file W2 information with them too, not just the federal SSA filing. Check your state's requirements - some accept electronic filing which can save you from printing additional copies.