College Tax Break: Lifetime Learning Credit

The Lifetime Learning Credit is a federal tax break designed to make higher education more affordable for American families. Depending on how much a family spends on educational expenses, the credit allows a taxpayer to reduce his income tax by up to $2,000.
  1. History

    • The Lifetime Learning Credit was passed as part of the Taxpayer Relief Act of 1997.

    Availability

    • The Lifetime Learning Credit is available to all students taking courses from eligible postsecondary institutions, whether the student is enrolled in a degree program or merely taking a course to improve her job skills. A taxpayer may claim the credit for his dependents as well as for himself.

    Figuring the Credit

    • The Lifetime Learning Credit is equal to twenty percent of the amount a taxpayer paid in tuition and related expenses up to a maximum of $10,000. While a taxpayer may include expenses for more than one student, the maximum amount of credit available is $2,000 per family.

    Restrictions

    • The amount of Lifetime Learning Credit available gradually decreases as a family's modified adjusted gross income exceeds $48,000 ($96,000 for joint filers). The credit is unavailable for taxpayers with a modified adjusted gross income of $58,000 ($116,000 for filing jointly).

    How to Claim the Credit

    • To claim the Lifetime Learning Credit, you must fill out Form 8863 and attach it to your federal tax return. If you use a tax program to do your taxes, the program will ask you about educational expenses to determine if you qualify for the credit.

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