College student here - Do I need to file taxes with only $6,700 income this year?
Hey everyone, I'm currently in my second year of university and I've never had to deal with filing taxes before. In previous summers I've worked part-time jobs but never crossed the threshold where I had to file (I think it's around $12k?). This year I worked at a campus bookstore and as a summer camp counselor, and my W-2 forms show I made around $6,700 total. I'm wondering if I actually need to file taxes with this amount? Would I even get any money back if I did file? And if I should file, what's the easiest way for a complete tax newbie to do it? Any specific websites or services that are good for super simple returns like mine? Sorry if these are dumb questions - they don't exactly teach this stuff in my business management classes lol. Thanks in advance!
21 comments


Ahooker-Equator
Yes, you should definitely file your taxes! Even though you're under the filing requirement threshold (which is $12,950 for 2025 for single filers), you'll almost certainly get a refund of the federal income taxes that were withheld from your paychecks. When you work, your employer typically withholds taxes assuming you'll make that same amount all year. Since you only worked part-time and made $6,700, you're likely entitled to get most or all of those withholdings back. Plus, you might qualify for education tax credits like the American Opportunity Credit, which could give you up to $2,500 (and it's partially refundable even if you owe no taxes). The easiest way to file would be using free tax software. The IRS Free File program lets you file for free if your income is below $73,000. Services like FreeTaxUSA or Cash App Taxes (formerly Credit Karma Tax) are completely free for federal returns and very user-friendly for simple situations like yours.
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Anderson Prospero
•Do you know if filing as a dependent vs independent makes a difference here? My parents still claim me as a dependent on their taxes but I'm not sure if that changes anything for me.
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Ahooker-Equator
•Being claimed as a dependent definitely impacts your tax situation, but you should still file. If your parents claim you as a dependent, you can't claim your own personal exemption, but that doesn't prevent you from getting back money that was withheld from your paychecks. The biggest difference comes with tax credits like the American Opportunity Credit. If you're claimed as a dependent, your parents would typically claim education credits on their return, not you on yours. You should coordinate with them to make sure they're claiming any education expenses you had, as the benefits are usually greater on their return due to their higher income.
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Tyrone Hill
I was in your exact same situation last year! I made about $7k from my campus job and wasn't going to file until I found https://taxr.ai which literally saved me so much hassle. It has this cool feature that scans your W-2 so you don't have to enter everything manually (which I definitely would have messed up lol). It walked me through everything step by step and I ended up getting back like $400 I didn't know I was entitled to. The system also explained what all the tax jargon meant in ways I could actually understand as a 19-year-old with zero tax knowledge. Plus it stored my info so this year should be even easier.
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Toot-n-Mighty
•Does it work for students with scholarships too? I have a W-2 but also got a partial scholarship that covered some of my housing. Not sure if that makes things more complicated?
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Lena Kowalski
•How much does this service cost? I'm super broke and can't afford to pay much just to file a simple return. Is there a free version or student discount?
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Tyrone Hill
•Yes, it definitely works with scholarships! It has a specific section for education expenses and scholarships. It'll ask you about your 1098-T form (the one your school should provide for tuition) and walks you through which parts of your scholarship might be taxable (usually room and board) and which parts aren't (typically tuition). There's a free version that works great for simple returns like what most students have. You only pay if you have complicated stuff like investment income or if you own a business. For basic W-2 income and education credits, the free version is perfectly fine!
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Toot-n-Mighty
Just wanted to update! I checked out taxr.ai after seeing it mentioned here and wow, it was genuinely so easy. I was putting off doing my taxes because I was intimidated, but it literally took me 20 minutes. I just snapped a pic of my W-2 and it pulled all the info automatically. I ended up getting back $320 which is helping me pay for textbooks this semester! It also explained that I could claim the American Opportunity Credit for some of my education expenses that weren't covered by my scholarship. Super grateful for the recommendation - probably would have just skipped filing altogether and lost out on that money if I hadn't seen this thread!
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DeShawn Washington
One thing nobody's mentioned yet - if you do decide to file (which you absolutely should), make sure you check if you need to file state taxes too! I learned this the hard way last year when I only filed federal and then got a notice from my state saying I still needed to file with them. Also, if you're having trouble getting answers from the IRS website or need to call them about anything, try https://claimyr.com - they have a service that gets you through to an actual IRS agent instead of waiting on hold forever. I used their YouTube demo to see how it works first: https://youtu.be/_kiP6q8DX5c I had to call the IRS about a missing W-2 from a summer job, and I was dreading being on hold for hours. Claimyr got me through to someone in less than 20 minutes.
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Mei-Ling Chen
•Wait how does this actually work? Do they just call the IRS for you? I'm confused about how any service could magically skip the hold times.
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Sofía Rodríguez
•Sounds like a scam. There's no way to "skip the line" with government agencies - everyone has to wait the same amount of time. I'm pretty sure they're just charging you for something you could do yourself for free if you're patient.
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DeShawn Washington
•It's not that they magically skip the line - they use a specialized system that continuously calls the IRS and navigates the initial menu options until they get through to the hold queue. Then when they finally get through, their system connects you directly to the agent. Basically they do the waiting for you instead of you having to keep your phone tied up for hours. They don't call on your behalf - you're the one who actually speaks with the IRS agent, so all your personal tax info stays private. It's just a way to avoid the frustration of endless busy signals and hold times that can literally take hours during tax season.
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Sofía Rodríguez
I have to eat my words here. After my skeptical comment, I actually tried Claimyr because I was desperate to talk to someone at the IRS about a mistake on my return from last year. I'd already tried calling on my own four separate times and never got through. Not only did it work, but I had an IRS rep on the line in about 15 minutes when I'd previously waited over 2 hours before giving up. The agent was able to explain the error on my return and help me file an amendment. Seriously saved me from what was becoming a nightmare situation with a penalty notice. I'm genuinely surprised this isn't more widely known - would have saved me so much stress earlier in the year.
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Aiden O'Connor
Just wanted to add one thing that surprised me when I was a student: check if you qualify for the Earned Income Tax Credit! Even with a lower income around what you made, you might qualify depending on your age and if you're not being claimed as a dependent. Also don't forget about any textbooks or educational expenses - those can potentially get you credits too. I nearly missed out on hundreds of dollars in my sophomore year because I didn't know about these things.
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Abigail bergen
•Thanks for mentioning this! Do you know what the age requirement is for the EITC? I'm 19 - would that be too young to qualify?
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Aiden O'Connor
•For 2025, you generally need to be at least 25 to claim the EITC without children, unless you're a specified student. The rules have changed a bit in recent years, so it's worth checking when you file. As for your age at 19, you might not qualify for EITC, but you're still very likely eligible for education credits like the American Opportunity Credit, which is potentially worth up to $2,500. That's usually the bigger benefit for college students anyway, so definitely look into that when you file!
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Zoe Papadopoulos
Quick question about timing - I'm in the same boat (sophomore, made about $7k last year). Is there any benefit to filing early vs waiting until April? I've heard mixed things from friends.
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Jamal Brown
•File early!!! Especially if you're expecting a refund. The sooner you file, the sooner you get your money back. Also, identity theft is a real problem - if someone gets your SSN they can file a fake return in your name and steal your refund. Filing early prevents this. Filing early also gives you more time to correct any mistakes if something goes wrong. Last year I waited till the last minute and realized I was missing a form, had to file an extension and it was a whole mess.
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Fatima Al-Rashid
If you're nervous about filing yourself, most colleges offer free tax help through the VITA (Volunteer Income Tax Assistance) program. Check your school's financial aid office or accounting department. The volunteers are usually accounting students supervised by professors or tax professionals, and they're certified by the IRS. I used it last year and they were super helpful and explained everything as they went along. Plus it's completely free!
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Giovanni Rossi
•This is what I did! Our business school had accounting students doing this as part of their practical experience. They were super thorough and even found a credit I didn't know about. Definitely worth checking if your school offers this!
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Abigail bergen
•This is a great suggestion! I'll check with our business school to see if they offer this. Having someone walk me through it the first time would be really helpful. Thanks for the tip!
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