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How to Add, Edit, or Delete a 1098

Create a 1098 or 1098-T by hand, update it before filing, or remove one you don’t need.

Quick version

  • Add: On the Forms page, click Add a new form.

  • Edit: Click the form’s name.

  • Delete: Click Actions > Delete Form.

Forms that are already eFiled need a correction instead.

Helper supports the 1098 Mortgage Interest Statement and the 1098-T Tuition Statement. The steps are the same for both. Every form you create appears on the Forms page.

Adding many 1098s at once? Use Import on the Forms page instead. See Upload Payer, Recipient & Form Data in an Excel Template.
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​Who’s the issuer and who’s the recipient?

Form

Issuer in Helper

Recipient in Helper

1098

Lender

Borrower

1098-T

School

Student

Good to know: The IRS Form 1098 labels the lender as RECIPIENT’S/LENDER’S and the borrower as PAYER’S/BORROWER’S. In Helper, always set up the lender as the issuer and the borrower as the recipient.

Add a 1098 or 1098-T

  1. Go to Forms.

Forms page in the left menu Forms page in the left menu

  1. Click Add a new form.

Add a new form button Add a new form button

  1. Choose a Tax year. Helper remembers your choice for next time.

Tax year choices Tax year choices

  1. Under Form type, choose 1098 Mortgage Interest Statement or 1098-T Tuition Statement.

Form type list with 1098 Mortgage Interest Statement or 1098-T Tuition Statement selected Form type list with 1098 Mortgage Interest Statement or 1098-T Tuition Statement selected

  1. Click Continue.

Continue button Continue button

  1. Under Issuer — (Payer), click the picker and choose the lender or school. You can search by name or TIN.

Issuer (Payer) picker open with search Issuer (Payer) picker open with search

  1. Under Recipient, choose the borrower or student.

Recipient picker open Recipient picker open

  1. Fill in the form boxes.

Form boxes Form boxes

  1. Click Save & Continue. To start another form right away, click Save & Add another.

Save & Add another and Save & Continue buttons Save & Add another and Save & Continue buttons

Good to know: The form boxes and save buttons stay locked until you choose both an issuer and a recipient.

Lender, school, borrower, or student not set up yet? Click the + next to Issuer — (Payer) or Recipient to add one without leaving the form. See How to Add a Recipient Manually.

What boxes are on the 1098?

  • Box 1: Mortgage interest received from payer(s)/borrower(s)

  • Box 2: Outstanding mortgage principal

  • Box 3: Mortgage origination date

  • Box 4: Refund of overpaid interest

  • Box 5: Mortgage insurance premiums

  • Box 6: Points paid on purchase of principal residence

  • Box 7: Check if the property address is the same as the payer’s/borrower’s address

  • Box 8: Address or description of property securing mortgage

  • Box 9: Number of properties securing the mortgage

  • Box 10: Other

  • Box 11: Mortgage acquisition date

If the property address is different from the borrower’s address, leave Box 7 unchecked and enter the address or description in Box 8.

What boxes are on the 1098-T?

  • Checkbox: TIN was solicited from the student but not provided

  • Box 1: Payments received for qualified tuition and related expenses

  • Box 4: Adjustments made for a prior year

  • Box 5: Scholarships or grants

  • Box 6: Adjustments to scholarships or grants for a prior year

  • Box 7: Check if Box 1 includes amounts for an academic period beginning January–March of next year

  • Box 8: Check if at least half-time student

  • Box 9: Check if a graduate student

  • Box 10: Ins. contract reimb./refund

Boxes 2 and 3 aren’t used on the current 1098-T, so they don’t appear.

Form 1098-T boxes Form 1098-T boxes

Edit a 1098 or 1098-T

  1. Go to Forms in the left menu.

Forms page in the left menu Forms page in the left menu

  1. Find the form. Use the Form Types filter to show one form type, or search by issuer or TIN.

Form Types filter open Form Types filter open

  1. Click the form’s name, or click Actions on its row and choose Edit a Form.

Form row with the form name Form row with the form name

  1. Update the boxes you need.

Form open for editing Form open for editing

  1. Click Save & Continue.

Save & Add another and Save & Continue buttons Save & Add another and Save & Continue buttons

Need a different tax year or form type? You can’t change those on an existing form. Delete it and create a new one.

Delete a 1098 or 1098-T

Warning: deleting a form is permanent. This can’t be undone. Forms that have already been eFiled can’t be deleted.

  1. Go to Forms and find the form.

Forms page in the left menu Forms page in the left menu

  1. Click Actions on its row, then click Delete Form.

Actions menu with Delete Form Actions menu with Delete Form

  1. In the Delete form window, click Delete, or click Cancel if you change your mind.

Delete form confirmation window Delete form confirmation window

Deleting several at once? Check the box next to each form, then click Delete in the bar at the bottom of the screen. Any filed forms in your selection are skipped.

Selection bar with Checkout & File, Print, TIN Check, and Delete Selection bar with Checkout & File, Print, TIN Check, and Delete

What if the 1098 was already eFiled?

Filed forms can’t be edited or deleted like a draft. Instead, click Actions on the form’s row and choose Make a correction.

Make a correction isn’t available when:

  • The form hasn’t been filed yet. Edit it instead.

  • The form was rejected. Fix it and resubmit with Edit and Replace.

  • The form type doesn’t support corrections yet.

How do I find a specific form?

Use the tabs at the top of the Forms list: All Forms, Needs action, Incomplete, Ready to file, Queued & sent, and Accepted.

You can also pick a tax year, search by issuer or TIN, and narrow the list with the Issuers, Form Types, and Form Statuses filters.

When your 1098s are ready, select them and click Checkout & File. See How to eFile with the IRS or SSA.

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