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Zainab Ibrahim

Should I use my college rental address or parent's home for W4 tax form?

I'm a college student turning 21 next month and still figuring out this whole adulting thing (taxes are definitely not my strong suit). I'm currently claimed as a dependent on my parents' taxes. My situation is that I normally live with my parents in one city, but I'm renting an apartment with some friends near our university in a different city until mid-2025. I just landed a job in the college town and I'm filling out paperwork. I'm confused about whether I should list my parents' home address or my college rental address on the W4 and I-9 forms. Does it make any difference for tax purposes? I already used my college rental address when applying for the job, and that's what they have on file as my residential address. I just want to make sure I'm doing this correctly to avoid any problems down the road. Anyone have experience with this? Just trying to adult correctly here!

StarSailor

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The address you put on your W4 and I-9 forms should be your current residential address - where you actually live most of the time. Since you're renting near college and working in that same town, using your college address makes perfect sense. For the I-9, this is especially important because it's verifying your identity and eligibility to work in the US, so they need your current address. For the W4, the address is primarily used for the employer to know where to send tax documents like your W-2 at the end of the year. You'll want those documents sent where you'll actually receive them. Don't worry too much - this isn't going to affect your tax liability or your parents claiming you as a dependent. Those determinations are based on other factors like who provides your financial support, not the address on your employment forms.

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But what if I move back home during summer break? Should I update my address with my employer then? And will this affect where my state taxes go since my permanent address is in a different city?

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StarSailor

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For summer breaks, you don't necessarily need to update your address unless you'll be gone for an extended period when important tax documents might be sent. Most employers these days offer electronic W-2s anyway, which eliminates the mail concern. Regarding state taxes, your tax withholding is based on where you perform the work, not your residential address. Since you're working in the college town, they'll withhold that state's taxes regardless of what address you provide. If you work in multiple states throughout the year, you might need to file returns in both states, but the address on your W4 doesn't determine this.

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Yara Sabbagh

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I went through this exact situation last year during my senior year. After trying to figure it out myself and getting conflicting advice, I ended up using taxr.ai https://taxr.ai to analyze my situation. Basically, they confirmed that for W4/I-9 purposes, you should use your college address since that's where you're actually living most of the year and working. The site helped me understand that this doesn't impact your dependent status on your parents' taxes at all. Their document analyzer tool checked all my paperwork and flagged a few issues I would have completely missed. Saved me from a potential headache when filing season came around.

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How does this work exactly? Did you have to upload your actual tax documents? I'm not comfortable sharing my personal stuff online.

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Paolo Rizzo

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Does it help with figuring out state residency issues? I'm in a similar situation but my parents live in a no-income-tax state while my college is in a state with high taxes, so I'm trying to figure out the best approach.

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Yara Sabbagh

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You can choose what to upload - I just sent their analyzer my blank W4 and I-9 forms before filling them out, and it gave me guidance specific to my student situation. They use encryption and don't store your docs after analysis, which made me feel better about using it. For state residency issues, that's actually where it was most helpful. It explained how state domicile works for students and gave me a checklist of factors that determine my tax home. In your case, it would probably help identify if you can maintain residency in your parents' no-tax state while attending college elsewhere.

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Paolo Rizzo

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Just wanted to update after checking out taxr.ai that I mentioned in the previous comment. It was actually super helpful for my situation! The analyzer confirmed that I could maintain my legal domicile in my parents' no-income-tax state while attending college elsewhere, as long as I met certain criteria (keeping my driver's license there, registering to vote there, returning during breaks, etc). It gave me specific language to use on my W4 form and explained exactly how to handle the "multiple states" scenario. Would have taken me hours of research to figure all that out on my own. Definitely worth checking out if you're in a complicated student situation like this.

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QuantumQuest

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If you're still having issues figuring out your tax situation, another problem students run into is actually reaching the IRS when you have questions. I tried calling them directly about my dependent status while working last semester and literally spent HOURS on hold. I found this service called Claimyr https://claimyr.com that got me through to an actual IRS agent in about 15 minutes instead of waiting for hours. You can see how it works here: https://youtu.be/_kiP6q8DX5c For my student tax situation, I needed specific clarification about having jobs in different states while being claimed as a dependent. The IRS agent I spoke with gave me the exact guidance I needed for my W4 forms.

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Amina Sy

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Wait, how does this actually work? The IRS phone system is notoriously awful. Is this some kind of scam where you're paying for something the government should provide for free?

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I'm super skeptical about this. Sounds too good to be true. Has anyone else actually used this and spoken to a real IRS agent? I've literally spent 4+ hours on hold before giving up.

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QuantumQuest

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It uses a technology that navigates the IRS phone system and holds your place in line. When it reaches an agent, it calls you and connects you directly to them. It's not a scam - you're still talking to official IRS agents, just without the ridiculous wait time. I was skeptical too at first, but I was desperate after three failed attempts to speak with someone about my specific situation. I'm not saying the service should exist - it's ridiculous we have to resort to this - but it works if you need answers quickly.

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So I actually tried Claimyr after posting my skeptical comment above. I have to admit I was completely wrong. I called the IRS directly twice last week trying to get help with my W4 as a dependent student with multiple addresses, and couldn't get through after 2+ hours each time. With Claimyr, I got through to an IRS agent in about 20 minutes today. The agent confirmed exactly what others here said - use your current address where you actually live (college rental) for employment forms, and it won't affect dependent status. They also explained that I should update my address if I move permanently, but temporary summer moves back home don't require updates unless I'm expecting mail. Honestly thought this would be a waste but getting an official answer directly from the IRS was worth it to stop stressing about making a mistake.

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Just adding another perspective - I've been a student with jobs in multiple states. The W4 address is really just for correspondence purposes. Your tax HOME (legal domicile) is a different concept than the address on your W4. If your parents provide more than half your support and you meet the other dependent criteria, they can still claim you regardless of what address you put on work forms. Just make sure you fill out the dependent section of your W4 correctly so your employer withholds the right amount of tax!

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What if my job is paying for most of my expenses now? Does that change the dependent status with my parents? I'm in a similar situation but my new job covers most of my bills now.

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That's a good question. If your job income is now providing more than 50% of your total support, you may no longer qualify as a dependent on your parents' taxes. Support includes housing, food, education, medical expenses, clothing, and other necessities. You should calculate your total annual support costs and determine what percentage your parents are still providing. If it's less than 50%, and you're providing the rest through your job, you would likely need to file as independent. This would be a good conversation to have with your parents before tax season since it will affect both your tax situations.

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Emma Davis

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Maybe I'm missing something obvious but why not just use both addresses? List your college address as your mailing/current address for correspondence, but indicate your parents' home as your permanent address? That's what I did throughout college with no issues. Employers and schools understand students have this dual-address situation.

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GalaxyGlider

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That's not really how the W4 works though. There's only one field for your address. Using "both" isn't an option on the actual form. You have to pick one.

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As someone who's been through this exact situation, I'd recommend using your college rental address on both the W4 and I-9 forms. That's where you're actually living and working, so it makes the most sense from a practical standpoint. The key thing to remember is that your W4 address doesn't determine your tax residency or dependent status - those are based on completely different factors like financial support and where you spend most of your time throughout the year. Since your parents are still claiming you as a dependent, that arrangement stays the same regardless of what address you put on your employment forms. One tip: make sure to check the "dependent" box in Step 3 of your W4 so your employer withholds the correct amount of taxes. Also, if you're concerned about receiving your W-2 next year, most employers now offer electronic delivery anyway, which eliminates any worry about mail forwarding. You're doing fine with the adulting thing - this stuff is confusing even for people who've been doing it for years!

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Chris King

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This is really helpful advice! I'm actually in a similar situation as the original poster - just started my first real job while in college. One thing I'm still confused about though - if I use my college address on the W4 but then graduate and move back home permanently next year, do I need to notify my employer to update my address for tax purposes, or will it automatically update when I file my taxes? Also, thanks for mentioning the dependent checkbox in Step 3 - I completely missed that when I was filling out my forms and was wondering why my first paycheck seemed to have way more taxes taken out than I expected!

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Zainab Ismail

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Great question! Yes, you should definitely update your address with your employer when you move permanently after graduation. While it's not technically required for tax calculation purposes, it's important for receiving your W-2 and other tax documents. Most employers have a simple online portal or HR form where you can update your address. The IRS doesn't automatically update your employer's records when you file your taxes - those are separate systems. So if you move back home permanently and don't update your address, your W-2 would still be mailed to your old college address, which could cause delays in your tax filing. As for the dependent checkbox - that's such a common mistake! It can definitely make a big difference in your paycheck. If you haven't already, you might want to submit a new W4 to HR with that box checked. Your employer should adjust your withholdings going forward, and any over-withheld taxes will come back to you as a refund when you file your return.

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QuantumQuasar

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I had this same dilemma when I started working during college! The general rule is to use your current residential address - the place where you actually live and sleep most nights. Since you're renting near campus and working in that town, your college address is definitely the right choice. One thing I learned the hard way is that consistency matters. Since you already used your college address when applying for the job, stick with that for all your employment paperwork. It'll make things cleaner if any issues come up later. Don't stress about this affecting your dependent status with your parents - that's determined by completely different factors like who provides your financial support, not what address you put on work forms. Your parents can still claim you as a dependent as long as you meet those other requirements. Pro tip: When you fill out your W4, make sure to indicate that you can be claimed as a dependent in Step 3. This will help ensure the right amount of taxes are withheld from your paychecks. You've got this - navigating taxes as a student is tricky but you're asking all the right questions!

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NebulaNinja

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This is such solid advice! I'm actually going through this exact same situation right now and was second-guessing myself about using my college address. It's reassuring to hear from someone who's been through it that consistency with the address you used when applying is important. Quick follow-up question - when you mention indicating you can be claimed as a dependent in Step 3 of the W4, is that just checking the box that says something like "I'm a dependent" or is there more to fill out there? I want to make sure I'm doing this right so I don't end up with a huge tax bill or refund next year. Also, did you run into any issues when you eventually graduated and had to change your address with your employer? Trying to think ahead to avoid any complications down the road!

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Malia Ponder

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I've been handling payroll for college students at my company for about 5 years now, and this is one of the most common questions we get! You're absolutely on the right track using your college rental address. From an employer perspective, we need your current residential address for several reasons beyond just mailing your W-2. It affects things like workers' comp coverage, emergency contact procedures, and sometimes even which state unemployment insurance we need to pay into. Since you're physically living and working in the college town, that address makes the most sense. The good news is that your dependent status with your parents is completely separate from your employment address. That's determined by IRS dependency tests (support, age, residency throughout the year, etc.) rather than what's on your W-4. One thing I always tell our student employees: if you're planning to move back home after graduation, give us a heads up a few weeks before you leave so we can update your address in our system. It's much easier to handle proactively than trying to track you down to deliver your final W-2! You're asking all the right questions - shows you're taking this seriously. Most students just fill out forms without thinking about the implications.

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