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¿Son los exámenes de ingreso a la universidad deducibles de impuestos?

Updated for Tax Year 2017


OVERVIEW

Las cuotas para tomar el SAT, ACT y otros exámenes de ingreso a la universidad no son deducibles de impuestos, pero el gobierno federal ofrece un número de deducciones educacionales y créditos fiscales. Descubre más acerca de estos créditos fiscales educacionales y cómo puedes beneficiarte con ello


Desafortunadamente para tu mamá y tu papá, las cuotas por tomar el SAT, ACT y otros exámenes de ingreso a la universidad no son deducibles de impuestos, pero el gobierno federal ofrece un número de deducciones educacionales y créditos fiscales. Aunque solo se aplican a los gastos actuales de los estudiantes que ya se han inscripto, es posible que puedas utilizar las deducciones y los créditos listados para compensar otros gastos universitarios de tu familia.

Deducción de gastos

Puedes pedir una deducción de impuestos para los gastos universitarios incurridos por ti, tu cónyuge o tus hijos. La deducción está disponible incluso si no detallas y cubre la matrícula y los gastos obligatorios de la universidad hasta el máximo establecido por el Servicio de Rentas Internas (IRS, por sus siglas en inglés) para el año fiscal actual.

Los gastos obligatorios incluyen, por ejemplo, las cuotas de actividades estudiantiles si es que todos los estudiantes están obligados a pagarlas. El IRS divide la deducción para los contribuyentes por sobre un cierto nivel de ingresos, y a medida que el ingreso aumenta la deducción se desvanece completamente.

Crédito Lifetime Learning

El crédito Lifetime Learning te permite pedir por hasta un 20% de los gastos universitarios anuales efectuados de tu propio bolsillo, para ti mismo, tu cónyuge o tus hijos. Puedes pedir un crédito máximo de hasta US$2.000 si los gastos universitarios totales de tu familia suman hasta US$10.000.

Puedes pedir un crédito Lifetime Learning por tantos años como el estudiante asista a la universidad, ya sea para estudios de pregrado y postgrado, incluso si el estudiante asiste a una sola clase por año. El IRS lista otros créditos fiscales educacionales en la Publicación 970.

Restricciones de los créditos fiscales

El crédito Lifetime Learning posee varias restricciones. El estudiante debe asistir a lo que el IRS llama una "universidad calificada" para pedir el crédito. Una universidad calificada es una que cumpla con las condiciones para participar en los programas de ayuda para estudiantes del Departamento de Educación.

Además, no puedes pedir el crédito si tu ingreso anual supera el límite establecido por el IRS para el año fiscal actual o si estás casado pero tú y tu cónyuge presentan declaraciones de impuestos separadas.

Pedir créditos educacionales

Cuando presentas tu declaración de impuestos puedes pedir tus créditos fiscales utilizando el formulario 8863 del IRS. Sólo puedes pedir el crédito por los gastos universitarios efectuados de tu propio bolsillo, no para los costos cubiertos por subvenciones o beneficios de veteranos. No puedes pedir que se considere el mismo gasto tanto como crédito fiscal y como deducción fiscal.

El IRS también advierte que no puedes pedir deducciones o créditos fiscales para habitaciones, comida, gastos médicos, cuotas de salud estudiantil, transporte y seguros, incluso si las cuotas son obligatorias para los estudiantes.

TurboTax puede ayudarte a determinar para qué créditos fiscales calificas y también te recomendará los créditos que te otorguen los mejores resultados en cuanto a impuestos se refiere.

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