Do you even need to file?

If you had a part-time job with a W-2, you probably had federal tax withheld — filing is how you get any refund. And if you earned more than the standard deduction, you're required to file. Even when you aren't required, filing a simple return to claim your refund is almost always worth it.

Dependent vs. independent

If your parents provided more than half of your support and you're under 24 and a full-time student, they can usually claim you as a dependent. That means:

• They get the credits and benefits tied to you.
• You still file your own return for your own income, but you check the box that says someone else can claim you.
• You use a smaller standard deduction on unearned income (interest, dividends).

Scholarships and grants

Money used for tuition, required fees, books, and required supplies is tax-free. Money used for room, board, travel, or optional expenses is taxable and shows up as income on your return.

Education credits

American Opportunity Credit (AOTC)

Up to $2,500 per year for the first four years of undergrad. 40% of it is refundable, so you can get money back even if you owe nothing. Requires at least half-time enrollment.

Lifetime Learning Credit (LLC)

Up to $2,000 per year, no limit on years, no enrollment minimum. Good for grad school, certificate programs, or a single class.

The 1098-T

Your school sends this form showing tuition paid and scholarships received. You need it to claim education credits. Log into your student portal in January or February to find it.

Part-time job checklist

• Collect a W-2 from every employer.
• Check your W-4 — if you barely earn anything, you can claim exempt so no federal tax is withheld.
• Save tip income records — cash tips are taxable too.