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Acerca de préstamos estudiantiles y créditos tributarios

Written by a TurboTax Expert • Reviewed by Miguel Burgos, CPAUpdated for Tax Year 2023 • November 13, 2024 02:00 PM
OVERVIEW

Cuando utilizas fondos de préstamos estudiantiles para financiar tu educación, el IRS te permite que reclames los gastos educativos calificados cubiertos con esos fondos, para reclamar créditos tributarios educativos. También está disponible una deducción por los intereses que pagues una vez comienzas a pagar tus préstamos estudiantiles. Aprende más sobre como los préstamos estudiantiles afectan tus impuestos.

Puntos clave

  • El Crédito Tributario de Oportunidad para los Estadounidenses ofrece hasta $2,500 en ahorros tributarios anuales para estudiantes en sus primeros cuatro años de un programa cualificado para un título universitario.
  • El Crédito Perpetuo (Vitalicio) por Aprendizaje apoya la educación que sobrepasa los años iniciales de educación universitaria con un crédito tributario de hasta $2,000 por año por gastos cualificados.
  • Para reclamar créditos educativos, los contribuyentes deben presentar el Formulario 8863 del IRS junto con su declaración de impuestos.
  • Los contribuyentes generalmente pueden deducir intereses pagados sobre préstamos estudiantiles. Su elegibilidad y cantidad de deducción varía según sus ingresos.

El Crédito Tributario de Oportunidad para los Estadounidenses

Los estudiantes que estén siguiendo una carrera que eventualmente los llevará a obtener un título en los primeros cuatro años de estudios, o aquéllos que estén pagando por su educación, pueden ser elegibles para reclamar el Crédito de la Oportunidad Americana (American Opportunity).

Sin embargo, no está disponible para:

  • Estudiantes que no estén en sus primeros cuatro años de educación superior
  •  Estudiantes que hayan sido convictos por un delito de drogas

Para calificar, debes estar matriculado durante al menos un periodo académico, y al menos como estudiante a medio tiempo cada año. El crédito cubre 100 % de los primeros $2,000 en gastos calificados más el 25 % de los próximos $2,000. Gastos elegibles para el crédito incluyen:

  • Pagos de matrícula
  • libros y suministros
  • Cuotas requeridas

Eso es un crédito máximo anual de $2,500.

Sin embargo, el crédito se comienza a reducir hasta quedar eliminado completamente después de cierto nivel de ingreso.  En 2024, el crédito comienza a eliminarse para:

  • Contribuyentes solteros con un Ingreso Bruto Ajustado Modificado (MAGI) sobre $80,000
  • o contribuyentes casados que declaran en conjunto con un MAGI sobre $160,000

Este crédito no está disponible para aquellos contribuyentes que declaran sus impuestos como solteros cuyo ingreso excede $90,000 o $180,000 en caso de los que declaran sus impuestos como casados que presentan conjuntamente.

El Crédito Perpetuo (Vitalicio) por Aprendizaje

Los estudiantes que ya han terminado sus primeros cuatro años de estudios postsecundarios, o quienes tomen diferentes cursos para mejorar sus habilidades laborales, pueden calificar para el Crédito Vitalicio por Aprendizaje. Aunque este no es tan robusto como el Crédito Tributario de la Oportunidad Americana, el crédito se puede reclamar por:

  • 20 % de tu pago de matrícula y otras cuotas hasta $10,000-- un máximo de $2,000
  • No incluye el costo de libros y suministros a menos que se requiera que estos se compren a través de la escuela

Al igual que con el Crédito de la Oportunidad Estadounidense (American Opportunity), el IRS te permite reclamar el Crédito Vitalicio por Aprendizaje incluso si utilizas un préstamo estudiantil para pagar tu matrícula.

Por ejemplo, si pides prestados y luego pagas $2,000 para pagar la matrícula, tu crédito será igual a $400:

  • $2,000 de pago de matrícula x 0.20 (20 %) = $400 crédito.

Si pagas $15,000 en matrícula estudiantil, tu crédito será de $2,000 por el límite de $10,000 en gastos educativos calificados.

  • $15,000 es mayor que el límite de $10,000, así que estás limitado a reclamar 20 % de $10,000.
  • $10,000 x 0.20 (20 %) = $2,000 crédito.

En 2024, el Crédito Vitalicio por Aprendizaje se reduce hasta eliminarse para los contribuyentes que presentan su declaración como solteros con ingresos entre $80,000 y $90,000 y entre $160,000 y $180,000 para los casados presentando en conjunto.

Nota de TurboTax:

Generalmente, puedes deducir los intereses sobre préstamos estudiantiles que utilizaste para pagar gastos educativos, incluyendo alojamiento y alimentación.

Formulario 8863 del IRS

Para cualquier año tributario en el que reclames cualquiera de estos créditos tributarios, el IRS requiere que prepares el Formulario 8863 y lo presentes junto con tu declaración de impuestos personal.

  • Utilizas este formulario para reportar tus gastos estudiantiles elegibles y para calcular el crédito.
  • En la mayoría de los casos, tu escuela te notificará el costo de tus gastos elegibles para el año previo a que prepares tu declaración de impuestos enviándote un Formulario 1098-T.

Recuerda, con TurboTax, te haremos preguntas simples y llenaremos las formas correctas basado en tus respuestas.

Deducción tributaria de intereses sobre préstamos estudiantiles

Los beneficios tributarios de tu préstamo estudiantil no terminan con estos créditos tributarios. También hay una deducción disponible para los pagos de intereses que realizas cuando comienzas a pagar tu préstamo.

Hasta ahora en el 2024, esta deducción está disponible para los siguientes contribuyentes:

  • Contribuyentes solteros con un MAGI de $90,000 o menos
  • Contribuyentes casados que declaran en conjunto con un MAGI de $185,000 o menos

La cantidad que puedes deducir es reducida para los siguientes contribuyentes:

  • Contribuyentes Solteros un Ingreso Bruto Ajustado entre $80,000 y $95,000
  • Parejas casadas declarando en conjunto con ingresos entre $165,000 y $195,000

La cantidad que puedes deducir es limitada cada año, y sólo puedes deducir los intereses en los préstamos estudiantiles que utilizas para pagar gastos relacionados a tus estudios, incluyendo tu habitación y comida.

Incluso si utilizas una parte de los fondos para otros gastos personales como la financiación de tus vacaciones, la deducción no estará completamente perdida, sólo debes reducirla o prorratearla según el uso que le des a los fondos.

¿Inseguro sobre cual deducción o crédito reclamar?

Si utilizas TurboTax para preparar tu declaración de impuestos, te haremos preguntas simples sobre tus gastos educativos y prepararemos las formas correctas por ti para ayudarte a conseguir cada dólar que te corresponde. Encontraremos cada deducción y crédito tributario al que calificas para conseguirte el máximo reembolso posible, garantizado.

Con TurboTax Live Full Service, un experto bilingüe local elegido según tu situación en particular se ocupará de tus impuestos por ti de principio a fin. O bien, obtén ayuda y asesoramiento ilimitados de expertos en impuestos bilingües mientras preparas tu declaración con TurboTax Live Assisted.

Y, si quieres preparar y presentar los impuestos por ti mismo, puedes tener la certeza de que lo harás bien con TurboTax en español , ya que te guiaremos paso a paso. Independientemente de la forma en que realices la presentación, garantizamos un 100 % de precisión y el máximo reembolso correspondiente.

Tus impuestos bien hechos, con expertos bilingües a tu lado

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Declaración estatal adicional
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Responde preguntas sencillas y TurboTax Free Edition se ocupará del resto. Ahora disponible en español.

Presentación gratuita de declaraciones simples con el Formulario 1040 (sin anexos, excepto para el Crédito Tributario por Ingreso del Trabajo, el Crédito Tributario por Hijos y los intereses de préstamos estudiantiles). El 37 % de los contribuyentes califica.

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  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TurboTax Desktop Business Returns:

  • 100% Accurate Calculations Guarantee – Business Returns: If you pay an IRS or state penalty or interest because of a TurboTax calculation error, we’ll pay you the penalty and interest. Excludes payment plans. You are responsible for paying any additional tax liability you may owe. Additional terms and limitations apply. See License Agreement for details.

  • Maximum Tax Savings Guarantee - Business Returns: If you get a smaller tax due (or larger business tax refund) from another tax preparation method using the same data, TurboTax will refund the applicable TurboTax Business Desktop license purchase price you paid. Additional terms and limitations apply. See License Agreement for details.

  • Satisfaction Guarantee/ 60-Day Money Back Guarantee: If you're not completely satisfied with TurboTax Desktop software, go to refundrequest.intuit.com within 60 days of purchase and follow the process listed to submit a refund request. You must return this product using your license code or order number and dated receipt. Desktop add-on products and services purchased are non-refundable.

TURBOTAX DESKTOP DISCLAIMERS

  • Installation Requirements: Product download, installation and activation requires an Intuit Account and internet connection. Product limited to one account per license code. You must accept the TurboTax License Agreement to use this product. Not for use by paid preparers.

  • TurboTax Desktop Products: Price includes tax preparation and printing of federal tax returns and free federal e-file of up to 5 federal tax returns. Additional fees apply for e-filing state returns. E-file fees may not apply in certain states, check here for details. Savings and price comparison based on anticipated price increase. Software updates and optional online features require internet connection. Desktop add-on products and services purchased are non-refundable.

  • Fastest Refund Possible: Get your tax refund from the IRS as fast as possible by e-filing and choosing to receive your refund by direct deposit. Tax refund time frames will vary. The IRS issues more than 9 out of 10 refunds in less than 21 days.

  • Average Refund Amount: $3,207 is the average refund amount American taxpayers received in the 2024 filing season based upon IRS data as of February 16, 2024 and may not reflect actual refund amount received.

  • TurboTax Technical Support: Customer service and technical support hours and options vary by time of year.

  • Deduct From Your Federal Refund: Individual taxes only. Subject to eligibility requirements. Additional terms apply. A $40 Refund Processing Service fee applies to this payment. method. Prices are subject to change without notice.

  • Data Import: Imports financial data from participating companies; Requires Intuit Account. Quicken and QuickBooks import not available with TurboTax installed on a Mac. Imports from Quicken (2022 and higher) and QuickBooks Desktop (2023 and higher); both Windows only. Quicken import not available for TurboTax Desktop Business. Quicken products provided by Quicken Inc., Quicken import subject to change.

  • Live Tax Advice: Access to tax experts to obtain answers to tax questions and to assist with tax year 2024 return(s) prepared with TurboTax Desktop software. Additional fees apply. Must be purchased and used by October 31, 2025. Excludes TurboTax Desktop Business. See License Agreement for details.

  • Audit Defense: Audit Defense is a third-party add-on service provided, for a fee, by TaxResources, Inc., dba Tax Audit. See Membership Agreements at https://turbotax.intuit.com/corp/softwarelicense/for service terms and conditions.

All features, services, support, prices, offers, terms and conditions are subject to change without notice.

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