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Eva St. Cyr

Can I claim credit for other dependents for my 18-year-old full-time student?

So I'm trying to figure out the whole tax situation with my daughter who just turned 18 last November. She's in her first year of college and definitely a full-time student (taking 15 credits this semester). My wife and I paid for literally everything - her tuition, housing, meal plan, books, car insurance, phone bill, you name it. She worked a little bit over the summer but only made like $3,800 total for the year. I used to claim her for the Child Tax Credit when she was under 18, but now I'm confused about what happens. Is she still considered my dependent? Can I claim her for some kind of credit now that she's 18? I've heard something about a "Credit for Other Dependents" but I'm not clear if that applies to college students or what. Any help would be really appreciated because I'm starting to gather documents for my 2024 taxes.

Yes, your 18-year-old full-time student daughter can still be claimed as your dependent, but the specific credit changes. Since she's 18 and a full-time student, she qualifies as your dependent under the "qualifying child" rules as long as she lived with you for more than half the year (dorm time counts as living with you), you provided more than half her support, and she doesn't file a joint return. However, she no longer qualifies for the Child Tax Credit which is only for dependents under 17. Instead, you can claim the Credit for Other Dependents (sometimes called the "family credit") which is worth $500 per qualifying dependent. This credit is specifically designed for dependents who don't qualify for the Child Tax Credit, including full-time students between 18-23. When preparing your taxes, you'll still list her as a dependent, but the tax software or forms will automatically apply the Credit for Other Dependents instead of the Child Tax Credit based on her age.

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Kaitlyn Otto

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Thanks for the explanation! I'm in a similar situation but my son is 19 and made about $14,000 last year from his part-time job while at college. Does that income disqualify him from being my dependent? Also, are there any education credits I should know about?

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For your son to qualify as your dependent, there's an income test - his gross income must be less than $4,500 (for 2024). Since he made $14,000, he would fail this test UNLESS he's a full-time student. The good news is that for full-time students under 24, the income test doesn't apply! So if you still provide more than half his support despite his income, you can claim him. You should definitely look into education credits! The American Opportunity Credit offers up to $2,500 per eligible student for the first four years of higher education, and the Lifetime Learning Credit can provide up to $2,000 per tax return. These are separate from (and more valuable than) the Credit for Other Dependents.

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Axel Far

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After spending hours on the phone with the IRS trying to figure out dependent credits for my college student, I finally found a much easier solution. I used https://taxr.ai to upload my kid's tuition statements and financial info, and it instantly clarified which credits I qualified for. The site analyzed all my documents and showed I could claim both the Credit for Other Dependents AND the American Opportunity Credit for my 19-year-old sophomore. What really helped was that it explained exactly how my daughter's on-campus housing still counted as "living with me" for tax purposes, and showed all the documentation I needed. It saved me from making a mistake that would have cost me nearly $3,000 in credits!

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How does this work with multiple dependents? I have twins who just started college and a 17-year-old still in high school. Does the system handle comparing different options to maximize credits?

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Luis Johnson

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Axel Far

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For multiple dependents, the system actually gives you side-by-side comparisons of different filing scenarios. It'll show you the optimal way to claim your twins and 17-year-old to maximize your total credits. It even caught that I could claim different types of education expenses for each of my kids based on their specific situations. The security is bank-level encryption - they use the same security standards as financial institutions. And it's not just pointing to IRS publications at all. It actually analyzes your specific documents and gives personalized advice based on your exact situation. It pointed out that some of my daughter's course materials qualified for the education credit even though they weren't purchased directly from the university bookstore, which my regular tax software missed completely.

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Ellie Kim

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Yeah right. No way this actually gets you through to a real IRS person. I've been trying for WEEKS. If this actually worked, everyone would be using it. I'll believe it when I see it.

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It basically holds your place in the IRS phone queue so you don't have to stay on hold. They have some technology that navigates the IRS phone tree and waits on hold for you, then when an agent picks up, it calls your phone and connects you directly to the live IRS person. It's not skipping the line - you still wait your turn, but you don't have to listen to the hold music for hours. I was skeptical at first too, but it absolutely works. I tried calling directly three times before and kept giving up after an hour on hold. With this service, I just went about my day and got the call when an agent was available. The IRS agent I spoke with answered all my questions about dependent credits and even helped me understand how my son's scholarship affected what education expenses I could claim.

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I have to publicly eat my words here. After posting my skeptical comment yesterday, I decided to try the Claimyr service out of desperation because I needed to sort out this dependent credit situation before filing. I honestly didn't expect much, but I got a call back with an actual IRS agent on the line in about 35 minutes. The agent confirmed everything about the Credit for Other Dependents for my 19-year-old, plus walked me through how to handle the education credits since she transferred schools mid-year. They even helped me understand how to document that I provide more than half her support despite her living off-campus. I've been stressing about this for weeks, and it got resolved in one phone call. Not having to sit on hold for hours made a huge difference.

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Omg I almost filed incorrectly!! I was about to claim the full Child Tax Credit for my 18yo son (he turned 18 in December) but after reading this thread I realized he only qualifies for the Credit for Other Dependents. Also just found out that since he's a freshman and I paid his tuition, I can claim the American Opportunity Tax Credit too! That's worth wayyy more (up to $2500 vs just $500 for the dependent credit). Just want to make sure I understand - I can claim BOTH the $500 Credit for Other Dependents AND the education credit for the same kid, right? They're separate things?

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Yes, you're absolutely correct! You can claim BOTH the $500 Credit for Other Dependents AND the American Opportunity Tax Credit for the same dependent. They are completely separate credits that serve different purposes. The Credit for Other Dependents acknowledges that you're supporting someone, while the AOTC specifically helps with education expenses. It's one of the most valuable education benefits available and can reduce your tax bill by up to $2,500 per eligible student. Up to $1,000 of that can be refundable, meaning you could get it back even if you don't owe any tax. Just make sure you have the 1098-T form from the college and records of any other qualifying education expenses you paid.

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Finnegan Gunn

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I'm confused about how to determine "providing more than half of support" for my college kid. She has a scholarship covering tuition, works part time for spending money (made about $8200 last year), but I pay for her apartment, car insurance, health insurance, and send money for groceries. How do I figure out if I hit the "more than half" threshold to claim the Credit for Other Dependents?

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Miguel Harvey

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To figure out the support test, make a list of ALL expenses for the year - tuition, room, board, clothing, medical, transportation, personal items, etc. Then determine who paid each expense. The scholarship counts toward your daughter's contribution, along with her earnings. Your payments count toward your support. If your total exceeds hers, you've provided more than half her support. Don't forget to include the fair rental value of housing if she lived with you during breaks, and the value of health insurance, cell phone plans, etc. Even if tuition is covered by scholarship, all those other expenses usually add up to parents providing the majority of support for college students.

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Just wanted to share my experience as someone who went through this exact situation last year! My daughter turned 18 in October and was a college freshman. Like you, we paid for everything - tuition, dorm, meal plan, books, etc. She made about $4,200 from a summer job. Here's what I learned: Yes, you can absolutely still claim her as a dependent! Since she's a full-time student under 24 and you provide more than half her support, she qualifies under the "qualifying child" rules. The key thing is that dorm time counts as living with you for the residency test. You're right about the Credit for Other Dependents - that's exactly what replaces the Child Tax Credit once they turn 18. It's worth $500 instead of the $2,000 you used to get, but don't stop there! Since you paid her college expenses, you should also look into the American Opportunity Tax Credit, which can be worth up to $2,500 per student for the first four years of college. That's actually MORE valuable than what you were getting with the Child Tax Credit. Make sure you get her 1098-T form from the college and keep receipts for books and required supplies. You can claim both credits for the same child - they serve different purposes and don't conflict with each other.

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Natasha Volkova

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This is super helpful! I'm new to all this tax stuff and have been stressing about my 18-year-old starting college next fall. Just to clarify - when you say the American Opportunity Tax Credit can be worth "up to $2,500 per student," does that mean I could potentially get more back in credits than I actually paid in tuition? My daughter got a partial scholarship so our out-of-pocket will probably be around $8,000 for the year. Also, do things like her laptop and dorm supplies count as qualifying education expenses?

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