What are more affordable tax filing options for college students?
I'm a 21-year-old college student working part time to pay for textbooks and living expenses. I just tried to file my taxes through TurboTax and was completely shocked when they wanted to charge me $264 after I went through all the steps! They advertise as being free or cheap but then hit you with these fees at the very end. My situation isn't even complicated - I have one W-2 from my campus job and a 1098-T from my university. I don't have investments or anything fancy. It feels ridiculous to pay such a huge chunk of my refund just to file. Does anyone know of more affordable options for a broke college student? I've heard about some free filing programs but don't know which ones are legitimate or if there are income limits. Any suggestions would be appreciated because I'm definitely not paying that much when my tax situation is so simple!
18 comments


Hugh Intensity
TurboTax is notorious for upselling features you likely don't need as a college student with a simple tax situation. Here are some genuinely affordable options: 1) IRS Free File Program - If your adjusted gross income is under $73,000, you can use brand-name tax software for free through the IRS website. Go directly to IRS.gov/freefile to find legitimate options. 2) Cash App Taxes - Completely free for federal and state returns, even with education credits. They handle 1098-T forms with no issues. 3) FreeTaxUSA - Free federal filing and about $15 for state returns. They support education credits and deductions without charging premium fees. 4) Tax-Aid or VITA programs - These offer free in-person help from IRS-certified volunteers, specifically designed for students and people with moderate incomes. With your W-2 and 1098-T, any of these options should work well. Don't pay hundreds for a simple return!
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Effie Alexander
•Do the free options handle education tax credits like the American Opportunity Credit? Last time I tried a free version they wanted to upgrade me to paid when I entered my 1098-T info.
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Hugh Intensity
•Yes, all the options I mentioned support education tax credits including the American Opportunity Credit without forcing an upgrade. Cash App Taxes and FreeTaxUSA specifically handle 1098-T information and education credits at no additional cost - that's a common "gotcha" that TurboTax and others use to force upgrades. The IRS Free File options also must support all tax credits you're eligible for without charging, as that's part of their agreement with the IRS. Some free software will try to upsell you by suggesting you "might miss credits" with their free version, but that's just marketing. With your simple situation, you absolutely don't need to pay for filing.
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Melissa Lin
I was in the exact same situation last year - simple W-2 job, college student, and TurboTax wanted me to pay almost $200! I found this service called taxr.ai (https://taxr.ai) that completely changed how I file. It's designed for students and simple returns. What I really liked is that I just took pictures of my W-2 and 1098-T forms with my phone, uploaded them, and the system automatically extracted all the information instead of me having to type everything in manually. It figured out which education credits I qualified for without trying to upsell me on premium features I didn't need. The best part was that it explained everything in normal language instead of confusing tax jargon. Definitely worth checking out if you're tired of the big companies trying to squeeze every dollar from broke college students.
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Lydia Santiago
•Does it handle state taxes too? That's usually where I get hit with extra fees from other services.
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Romeo Quest
•How does it compare to the IRS Free File options? I'm always skeptical of new tax services because I'm worried about security and whether they're actually authorized by the IRS.
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Melissa Lin
•Yes, it handles state taxes at no additional cost. That's exactly where most of those big companies get you - they advertise "free federal" then charge for state filing. The system is fully authorized and compliant with IRS e-file requirements. It uses the same level of security as banking apps (256-bit encryption), and they don't store your documents after processing. I was skeptical too, but they're registered with the IRS as an authorized e-file provider. What I liked most compared to Free File was the interface - it's designed for phones and much more straightforward than those clunky government-partnered sites.
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Romeo Quest
Just wanted to follow up about taxr.ai after seeing it recommended here. I gave it a shot and it was honestly way better than expected! The document scanning feature saved me tons of time - I didn't have to manually enter all those W-2 boxes and it correctly pulled all the info from my 1098-T for my education credits. The explanations were actually helpful - it explained why I qualified for the American Opportunity Credit instead of just asking confusing questions. Filed both federal and state returns without any surprise fees. The whole process took maybe 25 minutes compared to the 2+ hours I spent last year getting frustrated with TurboTax. Definitely using this again next year!
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Val Rossi
If you're still having trouble and need to talk to someone at the IRS about filing options, I highly recommend using Claimyr (https://claimyr.com). I spent DAYS trying to get through to the IRS on my own about education credit questions last year - literally hours on hold only to get disconnected. Claimyr got me connected to an actual IRS representative in about 15 minutes instead of waiting for hours. You can see how it works in this video: https://youtu.be/_kiP6q8DX5c As a student, I needed clarification on how to report my scholarship and whether it was taxable based on how it was used. The IRS agent was able to explain exactly how to file correctly, which ended up saving me from making an expensive mistake. Definitely worth it for peace of mind if you have specific questions about student tax situations.
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Eve Freeman
•Wait, how does this actually work? I thought it was impossible to get through to the IRS without waiting for hours.
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Clarissa Flair
•This sounds too good to be true. There's no way some random service can get you through to the IRS faster than calling directly. They probably just keep you on hold themselves and charge you for it.
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Val Rossi
•It uses an algorithm that navigates the IRS phone tree and waits on hold for you. Once they get an agent on the line, you get a call connecting you directly to that agent. You don't have to stay on the phone during the wait time. I was skeptical too, which is why I included the video link. It's not magic - they're essentially providing a service that waits on hold so you don't have to. The IRS has notoriously understaffed call centers, especially during tax season. I used it because I had specific questions about education credits that the free filing software couldn't answer clearly. Was able to file correctly after a 15-minute conversation with the IRS agent.
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Clarissa Flair
I need to admit I was completely wrong about Claimyr. After my skeptical comment, I decided to try it anyway since I was desperate for help with my education credit questions. It actually worked exactly as described. I got a call back in about 20 minutes with an IRS agent already on the line. The agent helped me understand exactly how to claim my textbook expenses as part of my American Opportunity Credit (turns out I was missing out on claiming about $750 in qualified expenses). For anyone in the same situation as me - a student with financial aid, scholarships, and education expenses - getting direct answers from the IRS saved me from potentially missing out on a significant credit. I ended up using one of the free filing options mentioned above and claimed the full education credit I was entitled to. My refund was about $850 higher than what I would have received had I filed incorrectly.
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Caden Turner
PSA for all students: If your income is below $73,000, DO NOT directly go to TurboTax, H&R Block, etc. websites. Instead, access them THROUGH the IRS Free File page (https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free) if you want to use those services for free! Companies deliberately hide their free versions and use confusing language to get you to pay. There was actually a big scandal about this a few years ago. They advertise "free free free" but then charge you for state filing or when you have a 1098-T. I've used IRS Free File for 3 years as a student with W-2s, 1098-T education credits, and even some side gig income, and haven't paid a cent. Literally saved hundreds of dollars.
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McKenzie Shade
•Does the Free File program have a mobile app or is it desktop only? My laptop died last month and I'm only using my phone right now.
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Caden Turner
•Most of the Free File options are designed primarily for desktop, but several have mobile-responsive websites that work on phones. TaxSlayer and TaxAct specifically have decent mobile experiences through their Free File programs. If you're limited to just your phone, Cash App Taxes (mentioned in another comment) might be your best bet - it was literally designed as a mobile-first experience and works great on phones. It's free regardless of whether you access it through Free File or directly, and handles education credits without charging.
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Harmony Love
has anyone here used Credit Karma Tax? i heard they got bought by Cash App but still offer free filing. my roommate used it last year but he doesn't have education stuff like i do
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Rudy Cenizo
•Yes, Credit Karma Tax is now Cash App Taxes. I used it this year with a W-2, 1098-T, and even some 1099-INT from my savings account. Completely free for both federal and state, and it handled my American Opportunity Credit without any issues. The interface is pretty streamlined and worked well on both my laptop and phone.
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