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Www Irs Gov FormspubsWww irs gov formspubs 5. Www irs gov formspubs Student Loan Cancellations and Repayment Assistance Table of Contents Introduction Student Loan CancellationQualifying Loans Student Loan Repayment Assistance Introduction Generally, if you are responsible for making loan payments, and the loan is canceled (forgiven), you must include the amount that was forgiven in your gross income for tax purposes. Www irs gov formspubs However, if you fulfill certain requirements, two types of student loan assistance may be tax free. Www irs gov formspubs The types of assistance discussed in this chapter are: Student loan cancellation, and Student loan repayment assistance. Www irs gov formspubs Student Loan Cancellation If your student loan is canceled, you may not have to include any amount in income. Www irs gov formspubs This section describes the requirements for tax-free treatment of canceled student loans. Www irs gov formspubs Qualifying Loans To qualify for tax-free treatment, for the cancellation of your loan, your loan must have been made by a qualified lender to assist you in attending an eligible educational institution and contain a provision that all or part of the debt will be canceled if you work: For a certain period of time, In certain professions, and For any of a broad class of employers. Www irs gov formspubs The cancellation of your loan will not qualify for tax-free treatment if it is cancelled because of services you performed for the educational institution that made the loan or other organization that provided the funds. Www irs gov formspubs See Exception, later. Www irs gov formspubs Eligible educational institution. Www irs gov formspubs This is an educational institution that maintains a regular faculty and curriculum and normally has a regularly enrolled body of students in attendance at the place where it carries on its educational activities. Www irs gov formspubs Qualified lenders. Www irs gov formspubs These include the following. Www irs gov formspubs The United States, or an instrumentality thereof. Www irs gov formspubs A state, territory, or possession of the United States, or the District of Columbia, or any political subdivision thereof. Www irs gov formspubs A public benefit corporation that is tax-exempt under section 501(c)(3); and that has assumed control of a state, county, or municipal hospital; and whose employees are considered public employees under state law. Www irs gov formspubs An eligible educational institution, if the loan is made: As part of an agreement with an entity described in (1), (2), (3) under which the funds to make the loan were provided to the educational institution, or Under a program of the educational institution that is designed to encourage its students to serve in occupations with unmet needs or in areas with unmet needs where the services provided by the students (or former students) are for or under the direction of a governmental unit or a tax-exempt section 501(c)(3) organization. Www irs gov formspubs Occupations with unmet needs include medicine, nursing, teaching, and law. Www irs gov formspubs Section 501(c)(3) organization. Www irs gov formspubs This is any corporation, community chest, fund, or foundation organized and operated exclusively for one or more of the following purposes. Www irs gov formspubs Charitable. Www irs gov formspubs Religious. Www irs gov formspubs Educational. Www irs gov formspubs Scientific. Www irs gov formspubs Literary. Www irs gov formspubs Testing for public safety. Www irs gov formspubs Fostering national or international amateur sports competition (but only if none of its activities involve providing athletic facilities or equipment). Www irs gov formspubs The prevention of cruelty to children or animals. Www irs gov formspubs Exception. Www irs gov formspubs The cancellation of your loan does not qualify as tax-free student loan cancellation if your student loan was made by an educational institution and is canceled because of services you performed for the educational institution or other organization that provided the funds. Www irs gov formspubs Refinanced Loan If you refinanced a student loan with another loan from an eligible educational institution or a tax-exempt organization, that loan may also be considered as made by a qualified lender. Www irs gov formspubs The refinanced loan is considered made by a qualified lender if it is made under a program of the refinancing organization that is designed to encourage students to serve in occupations with unmet needs or in areas with unmet needs where the services required of the students are for or under the direction of a governmental unit or a tax-exempt section 501(c)(3) organization. Www irs gov formspubs Student Loan Repayment Assistance Student loan repayments made to you are tax free if you received them for any of the following: The National Health Service Corps (NHSC) Loan Repayment Program (NHSC Loan Repayment Program). Www irs gov formspubs A state education loan repayment program eligible for funds under the Public Health Service Act. Www irs gov formspubs Any other state loan repayment or loan forgiveness program that is intended to provide for the increased availability of health services in under served or health professional shortage areas (as determined by such state). Www irs gov formspubs You cannot deduct the interest you paid on a student loan to the extent payments were made through your participation in the above programs. Www irs gov formspubs Prev Up Next Home More Online Publications
Beware of Scams Affecting Your Phone Bill
"Slamming" occurs when a phone company illegally switches your phone service without your permission. If you notice a different company name on your bill or see phone charges that are higher than normal, take action:
- Contact the company that slammed you and ask to be switched back to your original company. Tell the company you are exercising your right to refuse to pay any charges.
- Report the problem to your original company and ask to be enrolled in your previous calling plan. If you're unable to resolve your complaint, contact the FCC.
"Cramming" occurs when companies add charges to your telephone bill without your permission. These charges may be for services such as voice mail, ringtones, or club memberships. You may not notice these monthly charges because they are relatively small, $5 to $30, and look like your regular phone charges.
Take These Steps to Avoid Slammers and Crammers:
- Block changes to your phone service. Ask your telephone service provider if they offer a blocking service, which usually requires the company to notify you before making any changes to your service.
- Read the fine print on contest entry forms and coupons. You could be agreeing to switch your phone service or buy optional services.
- Watch out for impostors. Companies could falsely claim to be your regular phone company and offer some type of discount plan or change in billing. They might also say they are taking a survey or pretend to be a government agency.
- Beware of "negative option notices". You can be switched or signed up for optional services unless you say "NO" to telemarketers.
- Examine your telephone bill carefully, including pages that show the details, and look for suspicious charges.
Your phone service cannot be shut off for refusal to pay for unauthorized services. For help, contact your local or state consumer protection agency, state public utilities commission, or the FCC.
Beware: Caller ID Spoofing
Scammers have adopted the practice of Caller ID spoofing to obtain personal information from consumers. In this fraud, someone calls you using a false name and phone number for the Caller ID screen. During the call, the scammer describes an urgent scenario, such as the cancellation of an account. The caller may say you can avoid the cancellation if you provide your bank account or credit card number to pay the company. If you give the sensitive information, he can use it to steal your identity, or use your bank accounts.
You can prevent being a victim of caller ID spoofing. Don’t give out personal information on an incoming call. Hang up and call the customer service phone number printed on your statement, the company’s website or in the phonebook.
Report caller ID spoofers to the Federal Communications Commission online or 1-888-225-5322.
Beware: GPS Enabled Apps on Your Mobile Phone
GPS enabled apps on mobile phones make it easy to share your fun adventures through social media. Some apps let others know your general vicinity, while others allow you to virtually “check in” at your favorite places so that you can earn free merchandise. Beware: this same information in the wrong hands can make you vulnerable to stalking, home burglary, or worse. Take advantage of the privacy settings on these apps and only share your location with people that you know and trust.