Prepare Form 1098-E records in the 1099ERICH Windows software. Import supported Excel or CSV data, review student-loan interest received from borrowers, and create filing output for the free IRS IRIS Taxpayer Portal.
Prepare Form 1098-E using our Windows software and upload through the IRS IRIS Taxpayer Portal, or ask ERICH about managed e-filing. Software purchases and filing services are separate.
For student loan lenders and servicers preparing their own information returns.
For teams and accounting professionals preparing larger batches of Form 1098-E returns.
Ask about a managed Form 1098-E filing. Eligibility, form type, tax year and record volume determine pricing.
Software: Each recipient form generated for an IRIS CSV filing file counts toward your license allowance; IRS portal file limits are separate. See counting examples. Managed filing: The posted $300 flat-fee tiers on our e-filing pricing page apply to eligible 1099-NEC returns; other form types are quoted individually.
For student-loan servicers and lenders. Reconcile each borrower’s interest total with loan-servicing records—not loan principal or total payments.
A student-loan servicer holds thousands of borrower accounts. At year-end it must report qualifying interest actually received by borrower, without treating principal repayments as interest.
Form-specific check: Reconcile the interest total to servicing history, particularly if loans were transferred or a borrower had multiple loan numbers. An account balance or total payment amount is not a substitute for interest received.
Before importing: Review borrower identifiers and interest totals against the loan-servicing system before printing statements.
Prepare your filing data with the software, then submit an eligible CSV through the free IRS IRIS Taxpayer Portal using your own IRIS account. The IRS does not charge a portal filing fee.
IRS IRIS filing information ↗Prefer to have ERICH prepare and transmit your return? Review the filing-service process and request a private upload invitation after authorization. Do not send taxpayer information by email.
See assisted e-filing options →Download Windows Software ↓ Installation help Compare with Form 1098-T →
Form 1098-E is an interest-reporting form, not a statement of total borrower payments. Loan-servicing exports should identify each borrower and the qualifying interest received during the reporting year.
For 2026, lenders and other persons receiving at least $600 in qualifying student-loan interest from an individual in the course of business generally report Form 1098-E.
Validate borrower identity, loan/account numbers, and interest received. IRS guidance permits one statement per loan or a combined statement for the borrower.
Do not confuse interest with principal repayments. Check applicable treatment of capitalized interest and loan origination fees against IRS instructions.
The $600 rule is applied per borrower, not independently to each loan. See the IRS instructions before deciding whether and how to report. 2026 IRS Forms 1098-E/T instructions ↗. Submission through your own IRS account or the separate ERICH assisted-filing service is a distinct step from software preparation. Do not send taxpayer data by ordinary email.
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If this specific form is not the one you need, use the supported-forms directory to compare 1099, 1098, ACA, W-2, and state-reporting workflows available in the Windows desktop software.
Form 1098-E software is designed for student loan lenders and servicers. Instead of manually building every return from scratch, work from borrower account records, review the information that matters for this form, and prepare supported IRS IRIS upload files on your Windows PC.
Collect borrower account records. Reconcile the figures to the account, transaction or payer systems that produced them before beginning the filing process.
Pay particular attention to interest received rather than principal payments. Other fields may be required depending on the tax year and the specific transactions being reported.
Use supported Excel or CSV imports, inspect recipient information, and address reported validation issues before generating final files. Your working records stay local during software preparation.
Create the IRS IRIS Taxpayer Portal CSV output supported for Form 1098-E. Upload it using your authorized IRS access and check the IRS result; buying the Windows license does not itself transmit returns.
Make sure your filing year and records are supported, especially if you have special transactions or need to file corrections. Try the application with sample data first, and verify that its output matches your requirements.
Download Windows SoftwareView Excel & CSV TemplatesYes. The 1099ERICH Windows software includes the supported Form 1098-E preparation workflow. Download it to review the interface and supported fields before purchasing.
The Windows program supports specified Excel and CSV import formats. For Form 1098-E, prepare and review borrower account records using the supported import template; confirm your tax-year format and required fields.
For student loan interest, review interest received rather than principal payments. Check the IRS instructions for the filing year and reconcile amounts to your original records.
No. The Windows software prepares supported IRS IRIS Taxpayer Portal files. You submit through your authorized portal account and review the IRS acknowledgment, or request a separate managed filing service.
The Starter license costs $149 for up to 1,000 records; Business costs $249 for up to 5,000 records. Both include the same supported IRIS forms and preparation tools. Managed filing is a separate service quoted by form and scope.
Reconcile borrower records and student-loan interest before producing 1098-E statements.
The IRS generally requires a Form 1098-E when a filer receives $600 or more of student-loan interest from an individual during the tax year in the course of business. The threshold applies per borrower across loans.
Match borrower identifiers, loan accounts and interest payments. Decide whether records will be provided per loan or combined per borrower, and identify adjustments before preparing statements.
The interest reported to a borrower is not a guarantee that the borrower can deduct that amount. The software prepares the filer data; taxpayers determine eligibility under IRS rules.
Two ways to finish: prepare your file with 1099ERICH software, or have ERICH handle an approved electronic filing on your behalf.
See Software PlansWe E-File for YouFor 2026, a person receiving at least $600 in student-loan interest from an individual during the year in the course of business generally must file Form 1098-E.
IRS instructions allow one Form 1098-E for each loan or a single Form 1098-E for the combined interest received from that borrower.
1099ERICH prepares supported IRIS-ready filing output for submission through the IRS IRIS portal. ERICH also offers a separate service to handle the transmission for you.
Check the current IRS 1098-E filing instructions for the applicable tax year. The IRS decides whether a submission is accepted.