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GENERAL STUDENT LOAN TAX INFORMATION

The information below can help outline what you should expect to receive and how
that information can be used to prepare your tax return. Please note, you may
receive multiple tax documents if you have other accounts with Discover (i.e.,
online banking, credit cards, home loans, and personal loans). Note: We are
unable to provide tax advice. Please see IRS Publication 970 at IRS.gov or ask a
tax professional if you need assistance.


WHAT DISCOVER STUDENT LOANS TAX INFORMATION SHOULD I EXPECT TO RECEIVE?

Document/tax form type

When it is sent

Who receives

Available in Account Center*

Interest Paid Letter By January 31 Primary Borrower Yes Cosigner Interest Paid
Letter Upon Request Cosigner Yes IRS Form 1098-E By January 31 Primary Borrower
Yes IRS Form 1099-MISC By January 31 Customer who received non-interest income
No IRS Form 1099-INT By January 31 Customer who received interest income No *The
primary Borrower and Cosigner will have to sign into their individual Account
Centers to receive the applicable documents.

All IRS Tax forms are delivered by US postal service.

The Interest paid letter and Cosigner Interest paid letter are sent based on
Customer Preference (US Postal Service or Electronic Delivery in Account
Center).

If you don't receive anything by February 10 or need an additional copy of any
tax form, you may call us at 1-800-STUDENT.


CAN I RECEIVE MY DOCUMENTS VIA EMAIL?

No, email is not secure to deliver documents with sensitive information. To
protect your information, we do not email these documents.


STUDENT LOAN INTEREST (IRS FORM 1098-E AND INTEREST PAID LETTER)


WHO RECEIVES THE IRS FORM 1098-E AND INTEREST PAID LETTER?

US law requires IRS Form 1098-E be issued with respect to the primary borrower
on the student loan. The Interest Paid Letter is also sent to the primary
borrower on the student loan. See below for specific differences between IRS
Form 1098-E and the Interest Paid Letter.

If you are a cosigner for any loan serviced by Discover Student Loans, you may
request a letter reflecting the interest paid for the current tax year. For the
interest paid amount for tax years prior to 2021, we can send you a transaction
history associated with the loan(s) for which you are a cosigner.


WHAT IS THE DIFFERENCE BETWEEN THE IRS FORM 1098-E AND THE INTEREST PAID LETTER?

Document

Who Receives

Description

IRS Form 1098-E Primary borrower A form reflecting the amount of interest paid
during the year on certified eligible loans. Interest Paid Letter Primary
borrower A letter reflecting the amount of interest paid during the year on
eligible student loans regardless of certification. Cosigner Interest Paid
Letter

Cosigner (upon request)

A letter reflecting the interest paid during the year for the loans they have
cosigned.


WHAT LOANS ARE INCLUDED ON IRS FORM 1098-E AND THE INTEREST PAID LETTER?

Loan Type

Document Received

Private student loan serviced by Discover and certified by December 31 For
certified eligible loans where the loan proceeds were used solely to pay for
qualified higher education expenses, we will send you a Form 1098-E and an
Interest Paid Letter by January 31 stating the amount of interest you paid for
the prior tax year. Private student loan serviced by Discover and not certified
by the borrower by December 31 We will send you an Interest Paid Letter by
January 31 stating the amount of interest you paid for the prior tax year. Bar
Exam Loan

Interest paid on Bar Exam Loans is not included on IRS Form 1098-E or the
Interest Paid Letter.

 

We will provide you a transaction history upon your request.

Residency Loan

Interest paid on Residency Loans is not included on IRS Form 1098-E or the
Interest Paid Letter.

 

Interest paid on loans for some residency programs may be eligible for a tax
deduction based on the program offered by the school. Please check with your
school for eligibility.

 

If you determine that your Residency Loan does qualify, we can send you a
history of transactions associated with the loan(s) for a given tax year to help
you establish the amount of interest paid.

Parent loan

For certified eligible loans where the loan proceeds were used solely to pay for
qualified higher education expenses for a dependent or spouse, we will send you
the Form 1098-E and the Interest Paid Letter by January 31 stating the amount of
interest you paid for the prior tax year.

 

For borrowers of Parent Loans not used solely to pay for qualified higher
education expenses for a dependent or a spouse, we will provide you a
transaction history upon your request.

Note: We are unable to provide tax advice. Please see IRS Publication 970 at
IRS.gov or ask a tax professional if you need assistance.


WHY DO I NEED TO COMPLETE IRS FORM W-9S TO OBTAIN IRS FORM 1098-E?

To receive IRS Form 1098-E, the primary borrower must certify that the loan
proceeds were used solely to pay for qualified higher education expenses at an
eligible educational institution. A completed Form W-9S acts as your
certification. If your loan was not used solely to pay qualified higher
education expenses, you should not certify the loan.

Primary borrowers may log into their Account Center to review whether their
loans are certified. Once you are logged in:

 * Select Loans from the top menu
 * Choose View Tax Information.
 * Scroll to the middle of the page and click the link: Online W-9S
   Certification Form


OTHER TAX FORMS

Please note, you may receive multiple tax documents if you have other accounts
with Discover.


WHY DOES DISCOVER STUDENT LOANS SEND IRS FORM 1099-MISC?

IRS Form 1099-MISC is the IRS form used to report certain payments income from a
lender to a customer. The IRS requires the following payments be treated as
reportable on Form 1099-MISC.

Type of credit or payment

Description

Courtesy Credit Courtesy credits are issued to compensate a customer for
activities that may have affected the account or customer experience. They are
offered in different forms such as a credit to the account, or reimbursement
check. Compensation Credits or Payments We may issue compensation credits or
payments that are more than the amount required to correct an error to make
amends for a mistake. High School Reward for Good Grades

A cash reward is considered other income for IRS Form 1099-MISC reporting.

Refer-a-Friend

A cash reward is considered other income for IRS Form 1099-MISC reporting.

Graduation Reward and Reward for Good Grades

If you received one of these rewards and paid off your loan early, you may
receive the IRS Form 1099-MISC for a portion of the reward.


WHY DOES DISCOVER STUDENT LOANS SEND IRS FORM 1099-INT?

IRS Form 1099-INT is the IRS Form used to report interest income from a lender
to a customer. Customers who have received amounts which are considered paid
interest may receive IRS Form 1099-INT.


MORE QUESTIONS?

You can find additional Frequently Asked Questions within the Account Center.

--------------------------------------------------------------------------------



We are unable to provide tax advice, so please see IRS.gov or ask a tax
professional if you have questions.

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