Should I claim the AOTC or Lifetime Learning Credit for 2025?
Compare the American Opportunity Tax Credit and Lifetime Learning Credit for 2025 or 2026. Enter tuition costs, income, and student details to see which credit is likely larger and whether income phaseouts limit eligibility under current IRS rules.
How this calculation works
- Estimates eligible expenses for each credit type.
- Applies income phaseouts for the selected filing status.
- Compares the estimated credit amounts to suggest the larger benefit.
Common mistakes and caveats
- Qualified expenses and enrollment status affect eligibility.
- Income phaseouts can reduce or eliminate the credit.
FAQ
Can I claim both credits in the same year?
You can claim both if they apply to different students and you meet the rules.
Last updated & sources
Last updated January 26, 2026.
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