File IRS Form 1098-E online

Form 1098-E reports student loan interest a borrower has paid during the tax year. This form is issued by lenders to the borrower and to the IRS. It provides details about the interest paid on qualified student loans, which can be used to claim a student loan interest deduction on income tax returns.

Lenders must file Form 1098-E with the IRS for each borrower who has paid $600 or more in student loan interest during the tax year. This includes reporting:

• Interest paid on federal student loans
• Interest paid on private student loans

Yes. You can e-file Form 1098-E through the IRS website or by mail. You may also use Avalara 1099 & W-9 to streamline the e-filing process and help prevent costly errors.

• Send copies to recipients by January 31.
• E-file with the IRS by March 31.

When these dates fall on a weekend or holiday, the deadline shifts to the next business day.

It depends. Some states require you to file Form 1098-E directly, especially if state income tax was withheld or if you’re not using the IRS Combined Federal/State Filing Program (CF/SF). Requirements, deadlines, and formats vary by state.