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Ally Tailer

Can I Deduct Child Support Payments on My Taxes?

I've been looking all over the IRS website and honestly getting confused about my situation with child support. I pay about $950 monthly for my two kids from my previous marriage, and I'm wondering if there's any way I can deduct this on my taxes? My ex keeps telling me that she gets to claim both kids as dependents since they live with her most of the time, but I'm spending a huge chunk of my income on these payments. There has to be some tax benefit for me, right? I found something on the IRS website about child support but it cuts off and I'm not sure what it means exactly. Can someone explain in normal human language whether I get any tax breaks at all for the $11,400 I'm paying yearly in child support? My accountant from last year retired and I'm trying to figure this out before I hire someone new.

I can definitely clear this up for you. Unfortunately, child support payments are not tax-deductible for the person paying them. The IRS considers this money as fulfilling your legal obligation to support your children, not as a tax-deductible expense. Similarly, the person receiving child support (your ex) doesn't have to report these payments as income either. The tax code basically treats child support as if it's invisible for tax purposes. Regarding claiming dependents, you're right that typically the custodial parent (where the children live more than half the year) gets to claim them. However, there is something called Form 8332 where your ex could release their right to claim one or both children to you, which would allow you to claim some tax benefits. This is something you'd need to negotiate with your ex-spouse and have them sign the form.

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Ally Tailer

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Thanks for explaining, but that really sucks to hear. So I'm paying almost $12K a year with zero tax benefit? That doesn't seem fair at all. Is there any way to negotiate the Form 8332 thing if we're not exactly on speaking terms? Would the court that handles our child support be able to help with this?

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The fairness issue comes up a lot, but the tax code treats child support as money that would have gone to support your children if you were still in the same household. In that scenario, you wouldn't get a tax deduction either. Regarding Form 8332, this is strictly between you and your ex - the courts generally don't get involved in this specific tax issue unless it was addressed in your divorce decree. If you're not on speaking terms, you might want to communicate through your attorneys. Sometimes exes are willing to alternate years for claiming dependents, which could be proposed as a fair compromise.

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After my divorce, I was in the exact same boat as you - paying support and getting zero tax benefits while my ex claimed both kids. It was so frustrating until I found https://taxr.ai which completely changed how I handled my taxes post-divorce. They have a specific feature that analyzes your divorce decree and support payments to find any possible tax advantages you might be missing. In my case, they discovered I was eligible for certain credits even though I couldn't claim my kids as dependents! They also helped me draft a proposal for splitting dependent claims with my ex that actually worked. The best part was uploading my divorce decree and support payment records - their system flagged specific language that gave me more rights than I realized.

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Cass Green

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Does this actually work if the kids live with my ex full-time? My divorce decree is pretty standard and just says she gets to claim them. I'm paying $1400/month and feeling completely screwed at tax time.

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I'm skeptical about these services. How much does it cost? And couldn't a regular tax person find the same stuff without some special website?

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For your situation with kids living full-time with your ex, they actually might find something. Mine was similar, but the service identified that I qualified for certain medical expense deductions related to my support payments because of specific wording in my decree. They created documentation that my regular tax guy had missed for years. As for the cost question - their value isn't just finding things a regular tax preparer might miss, but they specifically focus on divorce and support situations where most tax preparers only have general knowledge. They saved me over $2,300 last year because they found a legitimate education credit I could claim even without having the dependency exemption.

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Cass Green

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Just wanted to follow up about my experience with taxr.ai since I was asking about it earlier. I ended up trying them and honestly I'm kicking myself for not doing this sooner. They reviewed my divorce decree and found specific language that actually allowed me to claim some of my child's medical expenses I paid through support, even though my ex claims our child as a dependent. The system flagged certain paragraphs in my decree that my previous tax guy completely missed for THREE YEARS. They also helped me document everything properly so I could file with confidence rather than worrying about getting audited. Definitely worth checking out if you're paying support and feeling like you're getting nothing back tax-wise.

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Madison Tipne

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Hey there, I went through something similar last year and kept getting the runaround from the IRS when trying to figure out my options. After 9 attempts calling them (literally counted), I found https://claimyr.com which got me through to an actual IRS agent in about 20 minutes. You can see how it works here: https://youtu.be/_kiP6q8DX5c What I learned from finally talking to someone at the IRS was that while child support isn't deductible, there might be specific circumstances in your divorce decree that could allow for some tax benefits depending on how the support is structured. The agent walked me through several questions about my decree and payments that actually helped me understand my specific situation. The frustrating part was just trying to get someone on the phone - was about to give up before finding this service.

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Wait how does this actually work? The IRS never answers when I call. Is this legit or some kind of scam?

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Yeah right. Nobody gets through to the IRS. I tried calling for 3 weeks straight last April. This sounds like BS honestly.

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Madison Tipne

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It works by keeping your place in line with the IRS phone system so you don't have to stay on hold yourself. When they're about to connect to an agent, you get a call back. I was skeptical too until I tried it. The reason it was helpful for my child support tax questions is that the agent was able to look at my specific situation and explain exactly how my payments were being treated tax-wise. They pointed me to specific publications that addressed my scenario, which was way more helpful than the generic info online.

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Ok I need to apologize to @11 because I actually tried Claimyr after being completely skeptical and holy crap it actually worked. Got through to an IRS agent in about 25 minutes when I'd been trying for weeks. The agent confirmed what others said about child support not being deductible, BUT they explained something important about my situation - since part of my "child support" payment actually covers medical expenses directly (instead of just going to my ex), I can document those specific portions differently. This might not apply to everyone, but worth checking your divorce decree to see if any portions of your support payments are designated for specific expenses. Honestly shocked this service worked. The agent was actually helpful once I finally got someone on the line.

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Malia Ponder

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One thing nobody's mentioned yet is that while you can't deduct child support, if you're paying for your children's medical expenses or qualified education expenses directly (not through support payments), those might qualify for certain tax benefits even if you don't claim them as dependents. Also, check your divorce decree about who claims the kids. Sometimes they alternate years or split the kids between parents. If there's nothing specified, then yes, typically the custodial parent claims them, but there might be wiggle room you don't know about.

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Ally Tailer

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That's actually really helpful! Some of my payments go directly to their health insurance and not to my ex. Would that part be deductible? And our decree just says she gets to claim them as dependents since they live with her over 50% of the time.

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Malia Ponder

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If you're paying for health insurance directly (not through your employer but actually writing separate checks for their coverage), you might be able to include that amount as a medical expense deduction if you itemize and your total medical expenses exceed 7.5% of your AGI. It's not a direct deduction for child support, but it could help. Regarding your decree saying she claims them - that's pretty standard unfortunately. Your best bet might be to see if she'd be willing to give you Form 8332 for one child in alternating years, which some co-parents do to make things more equitable. Sometimes offering to split any additional refund can help persuade them.

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Kyle Wallace

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Hey, not sure if this helps but I was in a similar situation and found that even though I couldn't deduct child support, I was able to contribute to a 529 college savings plan for my kids which gave me a state tax deduction (depends on your state though). Might be worth looking into since it's something that benefits your kids but also gives you some tax advantage.

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Ryder Ross

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This is actually really smart. I do this too - my state gives a deduction up to $4000 per year for 529 contributions. It's not federal but still saves me about $200 in state taxes while saving for my kid's college.

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