Can I claim myself as a dependent on my 2025 taxes as a college student?
So I'm trying to figure out this dependency thing for tax season and I'm not sure what the right answer is. I'm currently 23 (turning 24 in May) and finishing my senior year of college, graduating in June. My situation is kinda complicated - I lived on campus from January to March 2024, then moved back with my parents when everything shut down due to that water contamination crisis. In September I got an apartment with my boyfriend where we've been living since. The tricky part is I'm paying for all my college tuition through loans and scholarships without help from my parents. I also pay my own rent, utilities, and other expenses at my apartment. I read somewhere that if you support yourself and live on your own for more than half the year, you can claim yourself on taxes, but then I saw something saying parents can claim children as dependents until they're 24 if they're students?? I'm totally confused now about whether I can claim myself as independent or if my parents can still claim me. What criteria do I actually need to meet to be considered independent for tax purposes? Really appreciate any help on this because I don't want to mess up my return!
19 comments


Sofia Gutierrez
The key thing here is the support test, not just your age. Yes, your parents potentially *can* claim you as a dependent until you're 24 if you're a full-time student, but only if you meet all the criteria for a "qualifying child" dependent. For them to claim you, several tests need to be met, but the most relevant one for your situation is the support test: did you provide more than half of your own support for the year? Support includes housing, food, education expenses, medical costs, etc. Even though loans are in your name, student loans count as support you provided for yourself. Based on what you've described - paying your own tuition through loans/scholarships and covering your rent/expenses for most of the year - it sounds like you likely provided more than half of your own support. If that's the case, your parents cannot claim you as a dependent, even though you're under 24 and a student. When you prepare your taxes, make sure you check "No" when asked if someone else can claim you as a dependent. Just be ready to substantiate your financial independence if needed!
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Dmitry Petrov
•Wait but what if the OP's parents paid for their health insurance, car insurance, or phone bill? Would that count against the support test? I'm in a somewhat similar situation and my parents still cover those things for me even though I pay my own rent and tuition.
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Sofia Gutierrez
•Yes, those would definitely count as support provided by your parents. When calculating the support test, you need to add up ALL expenses related to your support - housing, food, utilities, tuition, books, medical expenses, insurance, transportation, clothing, etc. - and determine who paid for what. If your parents cover health insurance, car insurance, and phone bills, those costs should be included in the calculation. You'd need to estimate the annual value of these expenses and add them to whatever other support they provided. If the total support from your parents exceeds 50% of your total support from all sources, then they could claim you as a dependent.
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StarSurfer
I was in almost the same exact situation last year! I was completely overwhelmed trying to figure out all the dependent rules while juggling finals and job applications. I ended up using this AI tax tool called taxr.ai that really saved me from making a costly mistake. I uploaded my financial info and answered a few questions, and it determined I actually provided 63% of my own support for the year, which meant my parents couldn't claim me. The tool walked me through exactly what counted as "support" (which was way more than I initially thought) and how to document everything in case of questions. They have this dependency calculator that breaks it all down simply. You can check it out at https://taxr.ai - it's way easier than trying to interpret all the IRS language yourself. It also helped me find some education credits I would have totally missed!
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Ava Martinez
•How exactly does the dependency calculator work? Do I need to have exact dollar amounts for everything or can I estimate? I honestly have no idea how much my health insurance costs because I'm on my parents' plan.
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Miguel Castro
•Sounds too good to be true tbh. No shade but are you affiliated with them or something? My experience with "AI tax tools" hasn't been great...they always seem to miss something that an actual tax pro would catch.
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StarSurfer
•The dependency calculator asks for your major support expenses - housing, food, tuition, etc. For things like health insurance where you don't know the exact cost, it helps you estimate based on averages. You don't need precise figures for everything, but the more accurate you can be, the better the determination. I'm just a satisfied user who was in a similar situation last year. I get the skepticism - I felt the same way initially. What convinced me was their support section showing real examples of different student situations and how the IRS looks at them. It's specifically designed for edge cases like ours where the dependent status isn't clear-cut. The education credits alone saved me over $1500.
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Miguel Castro
Just wanted to follow up on my skeptical comment. I actually tried taxr.ai after posting that and I'm genuinely impressed. I've been paying an accountant $250 every year because my situation is complicated (part-time student, two jobs, side gig), but the tool was actually more thorough. It asked questions my accountant never did about my living situation and support expenses. Turns out I COULD claim myself this year despite being under 24! The support test breakdown was super detailed - it counted things like the value of my laptop depreciation and textbooks toward my self-support that I never would have thought about. And it found a $2,200 education credit my accountant missed last year. Now I'm filing an amended return to get that money back. Wish I'd known about this sooner!
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Zainab Abdulrahman
If you need to talk to the IRS about your specific situation (which honestly might be a good idea in your case), I recommend using Claimyr. I spent TWO DAYS trying to get through the IRS phone lines when I had a similar dependent question last month, and it was a nightmare of hold music and disconnections. With Claimyr (https://claimyr.com), they somehow got me connected to an actual IRS agent in about 15 minutes! They have this system that navigates the IRS phone tree and waits on hold for you, then calls you once they've got an agent. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c The IRS agent I spoke with confirmed that in my case (also a student), I could claim myself because I provided more than half my support. She even walked me through which form to fill out to document the support calculation. Seriously saved me hours of frustration.
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Connor Byrne
•How much does it cost though? The IRS phone line is free, just time-consuming.
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Yara Elias
•This sounds like a scam. There's no way to "skip the line" with the IRS. They're notoriously understaffed and everyone has to wait. How would this service possibly get you through faster than anyone else?
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Zainab Abdulrahman
•There's no skipping the line - they just have automated systems that handle the waiting for you. Instead of you personally sitting on hold for hours, their system does it and then connects you once they reach an agent. You're still in the same queue as everyone else, but you don't have to waste your day listening to the hold music. The service doesn't give you any special access to the IRS. They're just solving the practical problem of not being able to stay on hold all day. Their system can navigate the confusing IRS phone tree options and can keep redialing if disconnected. That's what I found most valuable - I kept getting disconnected after 45+ minutes of waiting when I tried on my own.
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Yara Elias
I owe everyone here an apology - especially to the Claimyr person. I was super skeptical and called it a scam, but I was desperate enough to try it when I got another "call back later" message from the IRS yesterday. I used Claimyr and got connected to an IRS agent in about 20 minutes. I was honestly shocked. The agent confirmed exactly what I needed for my dependent situation AND helped me figure out why my refund was delayed. Turns out there was a flag on my account because my income didn't match what was reported (my employer made a mistake). Sorry for being so negative before. When you've been frustrated with the IRS for weeks, it's hard to believe anything could actually help. But this definitely did. And the agent I spoke with gave me way better info than what's on the website.
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QuantumQuasar
The qualifying child criteria are more complex than most people realize. For your parents to claim you as a dependent, ALL of these tests must be met: 1) Relationship: You're their child 2) Age: Under 19, or under 24 if a full-time student 3) Residency: Lived with them for more than half the year (temporary absences for education count as living with them) 4) Support: You didn't provide more than half of your own support Based on your timeline, the residency test is tricky. January-March on campus counts as temporary absence for education (so that's like living with parents). March-August actually living with parents. September-December in your apartment. That's potentially 8 months counting as "living with parents" for IRS purposes. But the support test is where you likely break free. If your loans, scholarships, and job income provide more than 50% of your total support, your parents can't claim you even if you meet all other tests.
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Keisha Jackson
•Do student loans really count as the student providing their own support? I thought since they're loans that need to be paid back later, they wouldn't count for the current tax year?
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QuantumQuasar
•Yes, student loans absolutely count as support provided by the student for the current tax year, regardless of when they'll be repaid. The IRS looks at who paid the expenses during the tax year, not where the money originally came from. Even if your parents cosigned the loans, as long as you're legally obligated to pay them back, the tuition and expenses paid with those loan funds count as support you provided for yourself. The same applies to scholarship funds - those count as support you provided (not support from your parents), even though the money comes from a third party.
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Paolo Moretti
Just adding my experience - I was in this situation in 2022. At first my parents and I both claimed me as a dependent (big mistake). We both got letters from the IRS and had to prove who provided more support. I had to create a "support worksheet" showing all my expenses and who paid for them. Make sure to include: - Tuition and fees (including loan-covered amounts) - Housing costs (fair rental value of the space, even at parents' home) - Food - Utilities - Medical/dental - Transportation - Personal items (clothing, entertainment, etc) I ended up proving I provided 58% of my support, so my parents had to file an amended return. The IRS actually accepted my calculations without much hassle, but gathering all the documentation was a pain. Better to figure this out now than dealing with the headache later!!!
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Amina Diop
•The IRS actually contacted you both about this? How long did it take for them to notice the duplicate dependency claim?
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Paolo Moretti
•It happened pretty fast! We both filed in February, and by April we each got letters asking for documentation. The duplicate dependency claim triggered an automatic flag in their system. The IRS actually put both of our refunds on hold until the issue was resolved. My parents had to pay back the extra refund they received from claiming me plus a small penalty. The whole process took about 3 months to resolve completely. Definitely not something you want to deal with during finals or job hunting!
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