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When Does the 1098-T Form Come Out? In the world of taxes, few forms are as crucial for students and their families as the 1098-T. If you’re wondering “when does the 1098-T come out,” you’re not alone. This tuition statement is key for claiming education-related tax credits like the American Opportunity Credit or Lifetime Learning Credit. Issued annually by eligible educational institutions, the 1098-T details qualified tuition and related expenses paid during the previous calendar year. For the 2025 tax year, forms were made available in early 2026, but understanding the timelines can help you stay prepared for future years.
This comprehensive guide covers everything you need to know about the 1098-T release date, how to access it, and what to do if yours is delayed. We’ll draw from official IRS guidelines and trusted sources to ensure accuracy.
What Is Form 1098-T and Why Does It Matter?
Form 1098-T, also known as the Tuition Statement, is an IRS document provided by colleges, universities, and other post-secondary institutions. It reports the amount of qualified tuition and related expenses (like fees and course materials) paid or billed during the tax year. This information helps taxpayers determine eligibility for education tax benefits, potentially reducing your tax bill or increasing your refund.
Not every student receives one—only those enrolled in eligible institutions who paid qualifying expenses. For instance, if your payments were fully covered by scholarships or grants, you might not get a form. The 1098-T doesn’t include room and board, books (unless required and paid directly to the school), or other non-qualified costs.
Understanding when the 1098-T comes out is vital because it aligns with tax filing season. Missing it could delay your return, especially if you’re claiming credits.
Key Deadlines: When Does the 1098-T Come Out?
Educational institutions are required by the IRS to furnish Form 1098-T to students by January 31 of the year following the tax year. For the 2025 tax year (covering January 1 to December 31, 2025), this meant forms were due to students by January 31, 2026. If January 31 falls on a weekend or holiday, the deadline shifts to the next business day.
Institutions must also file a copy with the IRS, but the student deadline is what matters most for you. Paper filings to the IRS are due by February 28 (or the next business day), while electronic filings have until March 31. However, many schools release forms earlier, especially if you opt for electronic delivery.
Here’s a quick breakdown of typical timelines:
| Tax Year | Student Deadline | IRS Filing Deadline (Paper) | IRS Filing Deadline (Electronic) |
|---|---|---|---|
| 2025 | January 31, 2026 | February 28, 2026 | March 31, 2026 |
| 2026 | January 31, 2027 | February 28, 2027 | March 31, 2027 |
| 2027 | January 31, 2028 | February 29, 2028 | March 31, 2028 |
Note: These dates are based on standard IRS rules and may adjust for weekends/holidays. Always check with your school for exact availability, as some institutions like UC San Diego or Purdue Global aim to release forms right on or before the deadline.
How to Access Your 1098-T Form?
Once the 1098-T is released, accessing it is straightforward. Most schools offer electronic delivery for faster access:
- Electronic Delivery: Opt in through your student portal. For example, at Northeastern University, forms are available via Heartland ECSI by January 31. You’ll receive an email notification when it’s ready. Deadlines to consent for e-delivery vary—some schools require it by early January.
- Paper Mail: If you haven’t opted for electronic, expect a mailed copy to your permanent address on file. This might arrive in early February, depending on postal delays.
- Student Portal: Log into your school’s financial aid or billing portal. Institutions like Cal Poly or the University of Texas provide direct downloads.
If you’re a former student, contact your school’s bursar or financial services office. Third-party services like Heartland ECSI often host older forms too.
What If You Haven’t Received Your 1098-T?
Don’t panic if your form is late—it’s common, especially with mail. First, check your student portal or email for electronic versions. If it’s missing:
- Contact your school’s student accounts office. They can reissue it or confirm delivery.
- The IRS doesn’t require you to attach the 1098-T to your tax return, but keep it for records in case of an audit.
- If you need it urgently for filing, estimate based on your billing statements, but reconcile later if needed.
Remember, the form reports calendar-year activity, so spring semester payments might appear on the next year’s 1098-T if paid after December 31.
Tips for Using Your 1098-T Effectively
To maximize tax benefits:
- Review Boxes Carefully: Box 1 shows payments received, Box 2 (if used) shows amounts billed, Box 4 adjustments, Box 5 scholarships/grants, and Box 7 for future academic periods.
- Consult a Tax Professional: Tools like TurboTax can import data, but complex situations (e.g., multiple schools) warrant expert advice.
- Update Your Address: Ensure your school’s records are current to avoid delivery issues.
Frequently Asked Questions About the 1098-T Release Date
When does the 1098-T come out for 2026?
For the 2026 tax year, expect it by January 31, 2027, following the same IRS rules.
Do all students get a 1098-T?
No—only if you paid qualified expenses not fully covered by aid. International students might receive it too, but consult IRS rules.
Can I file taxes without my 1098-T?
Yes, but use accurate records. The form is for your reference.
What if my 1098-T has errors?
Contact your school immediately for a corrected form.
Staying informed about when the 1098-T comes out ensures a smoother tax season. For the latest updates, visit the IRS website or your institution’s portal. If you have more questions, reach out to a tax advisor tailored to your situation.