Can I still file my taxes if I'm claimed as a dependent?
Hey tax people of reddit! I'm in a bit of a situation here and could use some advice. My parents are planning to claim me as a dependent on their 2024 taxes (filing in 2025). I'm 21 and a full-time college student, and they pay for more than half of my support, so I know they're allowed to claim me. The thing is, I worked part-time at two different jobs this past year and made around $13,500. Both employers withheld taxes from my paychecks. I'm confused about whether I still need to file my own tax return even though I'll be claimed as a dependent? And if I do file, will it mess up my parents' return? Also, if I do need to file, can I still get a refund for the taxes that were withheld from my paychecks? I've heard different things from friends - some say dependents can't get refunds at all, others say it doesn't matter. Any help would be really appreciated! This is my first time dealing with taxes on my own.
23 comments


Mason Kaczka
Yes, you absolutely need to file your own tax return! Being claimed as a dependent on your parents' return doesn't change your own filing requirement. Since you earned $13,500, you're above the filing threshold for dependents (which is much lower than for independent filers). The good news is that filing as a dependent won't mess up your parents' return at all. You'll just check a box on your return indicating that someone else can claim you as a dependent. Your parents claim you on their return, and you acknowledge being claimed on yours - the two work together perfectly. And yes, you can definitely still get a refund of any excess tax that was withheld from your paychecks! Being a dependent doesn't mean you forfeit your refund. The IRS will return any overpayment of your taxes to you, not to your parents.
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Sophia Russo
•Wait so if I'm in college but make like $8,000 a year from my campus job, and my parents claim me as a dependent, do I still need to file? I thought there was some cutoff amount where you don't have to file?
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Mason Kaczka
•For 2024 taxes (filing in 2025), if you're claimed as a dependent, you generally need to file if your earned income is over $12,950 OR if your unearned income (like interest) is over $1,150, OR if your gross income is more than the larger of $1,150 or your earned income (up to $12,550) plus $400. In your specific case with $8,000 from a campus job, you're under the $12,950 threshold for earned income. However, you might still want to file to get back any federal income tax that was withheld from your paychecks. Even if you're not required to file, you can still file to get a refund of withheld taxes.
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Evelyn Xu
I was in your exact situation last year and was super confused until I found taxr.ai (https://taxr.ai). Their software analyzed my W-2s and immediately told me that I could file as a dependent AND still get my own refund. The app actually explained that the "dependent" box on your return doesn't affect your refund eligibility - it just tells the IRS that someone else is also claiming you. Before using them, I was worried about the same thing - that filing would somehow mess up my parents' return or that I wouldn't get my withholding back. The tool walked me through exactly what forms I needed and how to handle the dependent status correctly.
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Dominic Green
•Did they charge you for this? Most tax filing places like TurboTax or H&R Block make you pay if you have anything remotely complicated. I'm trying to avoid paying since I'm a broke student lol.
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Hannah Flores
•How does it handle state taxes? My state has weird rules for dependents and I'm never sure if I'm doing it right.
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Evelyn Xu
•They have a pretty generous free tier that covered everything I needed as a student with just W-2 income. Only had to pay when my situation got more complicated with some investment stuff later. They handled my state return perfectly too. The software actually flagged that my state (Virginia) has a different standard deduction for dependents than the federal one. It adjusted everything automatically so I got the maximum refund for both returns. The state tax part was actually where I found it most helpful since those rules can be really confusing.
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Dominic Green
Just wanted to update - I checked out taxr.ai after seeing it mentioned here and it was actually super helpful! I uploaded my W-2s and it confirmed I should definitely file even though I'm a dependent. The best part was it showed me I qualified for the American Opportunity Tax Credit for some of my textbook expenses, which I had no idea about. Even after my parents claimed me, I was still eligible for a partial refundable credit. Ended up getting back almost $400 more than I expected! It also explained in really simple terms why the "dependent" checkbox doesn't affect my refund for taxes that were already withheld from my paychecks. Definitely cleared up my confusion.
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Kayla Jacobson
Hey, I had the same problem last year trying to figure out the dependent thing. After weeks of trying to call the IRS and getting nowhere (literally spent hours on hold), I found Claimyr (https://claimyr.com) and it was a lifesaver. They got me connected to an actual IRS agent in about 15 minutes who confirmed everything about filing as a dependent. The agent explained that I not only needed to file my own return (since I had made over the threshold), but also that my parents claiming me wouldn't affect my refund at all. If you're still confused, I'd recommend checking out their demo video here: https://youtu.be/_kiP6q8DX5c to see how it works.
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William Rivera
•Is this for real? I've been trying to get through to the IRS for 3 weeks about a similar issue. How exactly does this work? Seems too good to be true that they can somehow get you through when the regular IRS line is impossible.
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Grace Lee
•Yeah right. No way this actually works. The IRS phone system is completely broken - I don't believe any service can magically get you through when millions of people can't get through the normal way.
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Kayla Jacobson
•It's completely legitimate. They use a technology that continuously redials and navigates the IRS phone tree until they secure a spot in the queue, then they call you and connect you directly to the agent. It's basically doing what you'd do manually for hours, but automated. I was skeptical too until I tried it. I had been trying to get through for weeks during peak tax season. After using Claimyr, I got a call back within about 20 minutes and was talking to a real IRS agent who answered all my dependent filing questions. They don't have any special "in" with the IRS - they just have a system that's really good at navigating the phone maze and waiting on hold so you don't have to.
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Grace Lee
Ok I have to eat my words. After seeing the comments here I decided to try Claimyr since I've been trying to get through to the IRS about my dependent status for weeks. It actually worked! I got a call back in about 30 minutes and spoke to an IRS representative who confirmed that: 1) I need to file my own return even though my parents claim me 2) Checking the "someone can claim you as a dependent" box doesn't stop me from getting my refund 3) The only real difference is I can't claim the standard deduction amount that independent filers get I was seriously shocked it worked after spending countless hours on hold before. For anyone struggling with dependent filing questions, definitely worth it if you need official answers directly from the IRS.
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Mia Roberts
Something nobody mentioned yet - make absolutely sure you and your parents are on the same page about you being claimed as a dependent! If you file your return and don't check the box that you can be claimed as a dependent, but then your parents DO claim you, both your returns will likely get flagged and processing will be delayed. Had this happen to my brother last year and it was a whole mess to straighten out. The IRS sent letters to both him and my parents, and they had to figure out who was actually supposed to claim him.
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Olivia Van-Cleve
•Thanks for bringing this up - I just double-checked with my parents and we're definitely on the same page. They're planning to claim me (which makes sense since they pay for my tuition and housing), and I'll make sure to check that box on my return. Would there be any benefit to me filing before my parents do, or does the order not matter as long as we're consistent?
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Mia Roberts
•The order doesn't matter as long as you're both consistent. Just make sure you check the box on your return that says "Someone can claim you as a dependent" and they include you as a dependent on theirs. If you're filing electronically, both returns should go through fine regardless of which one is submitted first. The IRS system will match them up later. The problems only happen when there's a discrepancy - like if you claim yourself and they also try to claim you.
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The Boss
Don't forget to look into education credits! Even as a dependent, you might be eligible for the American Opportunity Credit or Lifetime Learning Credit. Your parents would claim these on their return since they're claiming you, but it could save them a lot (up to $2,500 with AOTC) which maybe they'll share with you ;) Make sure they have all your 1098-T forms from your college and receipts for textbooks and required course materials.
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Evan Kalinowski
•Wait but what if I paid for some of my own education expenses out of my own pocket? Do my parents still get the credit for that or do I?
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The Boss
•If your parents claim you as a dependent, they get to claim all education credits - even for expenses you paid yourself. The IRS considers the student (you) to have received the benefit of the education, but the tax benefit goes to whoever claims you. It might seem unfair, but that's how the tax code works. Some families work out an arrangement where the parents give the student some portion of the tax savings, especially if the student paid some expenses. But that's a family decision, not a tax rule.
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Nia Thompson
Just to add some reassurance from someone who's been through this - you're definitely on the right track! I was in almost the exact same situation two years ago (college student, part-time jobs, parents claiming me as dependent) and I was so stressed about messing something up. The key things that helped me were: 1) Filing my own return and checking the "can be claimed as dependent" box, 2) Getting my refund for overwitheld taxes (which was awesome!), and 3) Making sure my parents had my 1098-T for education credits on their return. One small tip - if you're using tax software, most of them will ask you early on whether you can be claimed as a dependent, and then they automatically adjust everything else based on that answer. Makes it pretty foolproof. You've got this! The dependent filing thing seems scary at first but it's actually pretty straightforward once you understand the basics.
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Connor Murphy
•This is super helpful to hear from someone who's been through it! I'm definitely feeling less anxious about the whole process now. Quick question - when you say the tax software adjusts everything automatically based on the dependent status, does that include calculating the right standard deduction amount? I keep reading conflicting things about how much dependents can deduct vs independent filers.
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ApolloJackson
Yes, absolutely! The tax software handles the standard deduction calculation automatically based on your dependent status. For 2024 taxes, if you're claimed as a dependent, your standard deduction is limited to the greater of $1,150 OR your earned income plus $400 (but capped at the regular standard deduction amount of $14,600 for single filers). So in your case with $13,500 in earned income, your standard deduction as a dependent would be $13,900 ($13,500 + $400). This is actually pretty close to what you'd get as an independent filer anyway! The software will automatically use this calculation when you indicate you can be claimed as a dependent. You don't need to worry about doing the math yourself - just answer the dependency question honestly and let the software handle the rest. The main difference you'll notice is in tax credits (like education credits going to your parents instead of you), but for basic income tax calculation and refunds, being a dependent usually doesn't hurt you much, especially at your income level.
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Katherine Harris
•This is really helpful! I've been stressing about the standard deduction calculation but it sounds like the software makes it pretty straightforward. One thing I'm still confused about though - if my standard deduction as a dependent is $13,900 and I earned $13,500, does that mean I basically won't owe any federal income tax? And if that's the case, would I get back basically everything that was withheld from my paychecks? I'm trying to figure out roughly how much of a refund to expect so I can plan accordingly. My employers withheld about $800 total throughout the year.
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