The Lifetime Learning Tax Credit (LLTC) can significantly reduce your tax burden by covering educational expenses. At LEARNS.EDU.VN, we break down the eligibility requirements and how to claim this valuable credit, ensuring you maximize your educational investment. Understand the nuances of tuition fees, qualified education expenses, and the modified adjusted gross income (MAGI) limits to make informed decisions about your finances.
1. Understanding the Lifetime Learning Tax Credit
The Lifetime Learning Tax Credit (LLTC) is a valuable tax benefit designed to help individuals offset the costs of higher education. Unlike some other education tax credits, the LLTC isn’t limited to students pursuing a degree. It’s available for courses taken to acquire job skills or improve existing ones. This makes it a versatile option for lifelong learners at any stage of their career.
The Lifetime Learning Credit aims to support students with tuition costs. According to the IRS, this credit can cover expenses for courses to obtain a degree or enhance job skills.
1.1 What is the Definition of the Lifetime Learning Credit?
The Lifetime Learning Credit (LLC) is a nonrefundable tax credit for qualified tuition and related expenses paid for eligible students enrolled in an eligible educational institution. It helps cover the costs of courses taken for credit toward a degree (undergraduate, graduate, or professional) or for courses taken to acquire or improve job skills.
1.2 What Expenses are Covered by the Lifetime Learning Credit?
The Lifetime Learning Credit covers qualified tuition and related expenses. This includes tuition fees, as well as mandatory fees required for enrollment or attendance at an eligible educational institution. However, it doesn’t include the costs of books, supplies, equipment, and other educational expenses, unless they are required to be paid directly to the institution as a condition of enrollment or attendance.
1.3 How Much is the Lifetime Learning Credit Worth?
The Lifetime Learning Credit is worth up to $2,000 per tax return. It is calculated as 20% of the first $10,000 in qualified education expenses. This means that even if your qualified expenses exceed $10,000, the maximum credit you can claim is $2,000. It’s important to note that the Lifetime Learning Credit is nonrefundable, meaning that it can reduce your tax liability to $0, but you won’t receive any of the credit back as a refund.
1.4 What are the Benefits of the Lifetime Learning Credit?
The Lifetime Learning Credit offers several key benefits:
- Financial Relief: It helps offset the costs of higher education, making it more affordable for individuals and families.
- Flexibility: It’s available for a wide range of courses, whether they lead to a degree or are taken to improve job skills.
- No Limit on Years Claimed: Unlike some other education tax benefits, there is no limit on the number of years you can claim the Lifetime Learning Credit.
- Versatility: It can be claimed for courses at the undergraduate, graduate, and professional levels.
1.5 Understanding Qualified Education Expenses
Qualified education expenses are the tuition and fees a student pays to attend an eligible educational institution. These expenses must be for courses taken to pursue a degree or to acquire job skills.
1.6 What are Examples of Qualified Education Expenses?
Examples of qualified education expenses include:
- Tuition fees
- Fees required for enrollment or attendance
- Course-related books and supplies (if required to be purchased from the institution)
1.7 What Expenses Do Not Qualify for the Lifetime Learning Credit?
Expenses that do not qualify for the Lifetime Learning Credit include:
- Room and board
- Insurance
- Medical expenses (including student health fees)
- Transportation
- Similar personal, living, or family expenses
2. Who is Eligible for the Lifetime Learning Credit?
To claim the Lifetime Learning Credit, both the student and the taxpayer must meet certain requirements. Let’s examine these requirements in detail.
2.1 What are the Student Eligibility Requirements?
To be an eligible student for the Lifetime Learning Credit, the individual must meet the following criteria:
- Enrollment at an Eligible Educational Institution: The student must be enrolled or taking courses at an eligible educational institution. This includes colleges, universities, vocational schools, and other post-secondary educational institutions that are accredited and participate in federal student aid programs.
- Purpose of Enrollment: The student must be taking courses to obtain a degree or other recognized educational credential, or to acquire or improve job skills. There is no requirement for the student to be enrolled full-time.
- Academic Period: The student must be enrolled for at least one academic period beginning in the tax year. An academic period can be a semester, trimester, quarter, or any other period of study, such as a summer school session.
2.2 What are the Taxpayer Eligibility Requirements?
To claim the Lifetime Learning Credit, the taxpayer must meet the following requirements:
- Payment of Qualified Education Expenses: The taxpayer must have paid qualified education expenses for the eligible student. The expenses can be paid by the taxpayer, the student, or a third party.
- Relationship to the Student: The eligible student can be the taxpayer, their spouse, or a dependent listed on their tax return.
- Modified Adjusted Gross Income (MAGI) Limits: The taxpayer’s Modified Adjusted Gross Income (MAGI) must be below certain limits to claim the Lifetime Learning Credit. For 2024, the credit is gradually reduced (phased out) if the taxpayer’s MAGI is between $80,000 and $90,000 (or between $160,000 and $180,000 if filing a joint return). The credit is not available if the taxpayer’s MAGI is $90,000 or more (or $180,000 or more if filing a joint return).
2.3 What are the Income Limits for the Lifetime Learning Credit?
The income limits for the Lifetime Learning Credit are based on the taxpayer’s Modified Adjusted Gross Income (MAGI). For the 2024 tax year, the income limits are as follows:
- Single Filers: The credit is gradually reduced if MAGI is between $80,000 and $90,000. The credit is not available if MAGI is $90,000 or more.
- Married Filing Jointly: The credit is gradually reduced if MAGI is between $160,000 and $180,000. The credit is not available if MAGI is $180,000 or more.
It’s essential to determine your MAGI accurately to determine your eligibility for the Lifetime Learning Credit.
2.4 What is Modified Adjusted Gross Income (MAGI)?
Modified Adjusted Gross Income (MAGI) is your adjusted gross income (AGI) with certain deductions added back. The IRS uses MAGI to determine eligibility for various tax benefits, including the Lifetime Learning Credit.
2.5 How to Calculate Your Modified Adjusted Gross Income (MAGI)
To calculate your MAGI, start with your adjusted gross income (AGI), which is found on line 11 of Form 1040. Then, add back certain deductions, such as:
- Student loan interest
- One-half of self-employment tax
- IRA contributions
- Tuition and fees deduction
The exact calculation of MAGI can be complex, so consult a tax professional or use tax software to ensure accuracy.
2.6 Who Cannot Claim the Lifetime Learning Credit?
You cannot claim the Lifetime Learning Credit if:
- Your MAGI exceeds the income limits
- You are claimed as a dependent on someone else’s return
- You are married filing separately
3. Lifetime Learning Credit vs. American Opportunity Tax Credit (AOTC)
The Lifetime Learning Credit (LLC) and the American Opportunity Tax Credit (AOTC) are two education tax credits designed to help taxpayers offset the costs of higher education. While both credits serve a similar purpose, there are some key differences between them.
The American Opportunity Tax Credit and Lifetime Learning Credit share the goal of assisting students. However, they differ in eligibility criteria, credit amount, and coverage.
3.1 What are the Key Differences Between LLC and AOTC?
Here’s a comparison of the key differences between the LLC and AOTC:
| Feature | Lifetime Learning Credit (LLC) | American Opportunity Tax Credit (AOTC) |
|---|---|---|
| Credit Amount | Up to $2,000 per tax return (20% of the first $10,000 in qualified education expenses) | Up to $2,500 per student (100% of the first $2,000 in qualified education expenses, plus 25% of the next $2,000) |
| Refundability | Nonrefundable (can reduce tax liability to $0, but no portion is received back as a refund) | Partially refundable (up to 40% of the credit, or $1,000, can be received as a refund) |
| Eligible Students | Available for students taking courses to obtain a degree or to acquire or improve job skills; no requirement to be enrolled full-time | Available only for students pursuing a degree or other recognized educational credential; must be enrolled at least half-time for at least one academic period beginning in the tax year |
| Years Claimed | No limit on the number of years the credit can be claimed | Limited to the first four years of higher education |
| Course Level | Available for undergraduate, graduate, and professional degree courses | Primarily for undergraduate degree courses |
| Income Limits (2024) | Gradually reduced if MAGI is between $80,000 and $90,000 (single) or $160,000 and $180,000 (married filing jointly); not available if MAGI is $90,000 or more (single) or $180,000 or more (married) | Gradually reduced if MAGI is between $80,000 and $90,000 (single) or $160,000 and $180,000 (married filing jointly); not available if MAGI is $90,000 or more (single) or $180,000 or more (married) |
| Prior Felony Drug Conviction | Not eligible if the student has a felony drug conviction | Not eligible if the student has a felony drug conviction |
3.2 Can You Claim Both the LLC and AOTC in the Same Year?
No, you cannot claim both the Lifetime Learning Credit and the American Opportunity Tax Credit for the same student in the same tax year. However, if you have more than one student in your family, you may be able to claim one credit for one student and the other credit for the other student, provided that all eligibility requirements are met.
3.3 Which Credit Should You Claim?
The choice between the Lifetime Learning Credit and the American Opportunity Tax Credit depends on your individual circumstances. In general, the AOTC is more beneficial than the LLC because it offers a higher credit amount and is partially refundable. However, the AOTC has stricter eligibility requirements, such as the requirement that the student must be pursuing a degree and enrolled at least half-time.
If you are eligible for both credits, it’s generally best to claim the AOTC. However, if you don’t meet the AOTC requirements, the LLC may be a valuable alternative.
3.4 What if You Are Not Eligible for Either Credit?
If you are not eligible for either the Lifetime Learning Credit or the American Opportunity Tax Credit, you may still be able to deduct tuition and fees on your tax return. The tuition and fees deduction allows you to deduct up to $4,000 in qualified education expenses, regardless of your income. However, the tuition and fees deduction has been expired as of December 31, 2020, so it’s essential to stay informed about the latest tax laws and regulations.
4. How to Claim the Lifetime Learning Credit
Claiming the Lifetime Learning Credit involves gathering the necessary documentation and completing the required tax forms. Let’s walk through the process step-by-step.
4.1 What Documents Do You Need to Claim the Lifetime Learning Credit?
To claim the Lifetime Learning Credit, you will need the following documents:
- Form 1098-T, Tuition Statement: This form is provided by the eligible educational institution and reports the amount of qualified tuition and related expenses paid during the tax year.
- Receipts and Records of Qualified Education Expenses: Keep records of all qualified education expenses paid, such as tuition bills, fee statements, and payment confirmations.
- Taxpayer Identification Number (TIN): You will need the TIN (Social Security Number or Individual Taxpayer Identification Number) for both yourself and the eligible student.
4.2 Understanding Form 1098-T, Tuition Statement
Form 1098-T, Tuition Statement, is a crucial document for claiming education tax benefits. It provides information about the qualified tuition and related expenses paid during the tax year.
4.3 What Information is Included on Form 1098-T?
Form 1098-T includes the following information:
- Box 1: Payments received for qualified tuition and related expenses.
- Box 2: Amounts billed for qualified tuition and related expenses (this box may be blank).
- Box 4: Adjustments made for prior year’s tuition and related expenses.
- Box 5: Scholarships or grants.
- Box 6: Adjustments to scholarships or grants for a prior year.
- Box 7: Whether the student was enrolled at least half-time.
- Box 8: Whether the student was a graduate student.
- Box 9: Checkbox indicating whether the student is using a Hope or Lifetime Learning credit.
4.4 What if You Did Not Receive Form 1098-T?
Even if you did not receive Form 1098-T, you may still be eligible to claim the Lifetime Learning Credit. In some cases, educational institutions are not required to furnish Form 1098-T to students, such as when the student’s qualified education expenses are paid entirely with scholarships or when the student is a qualified nonresident alien.
If you did not receive Form 1098-T, you can still claim the credit if you can demonstrate that you (or a dependent) were enrolled at an eligible educational institution and can substantiate the payment of qualified tuition and related expenses with receipts and other records.
4.5 Completing Form 8863, Education Credits (American Opportunity and Lifetime Learning Credits)
To claim the Lifetime Learning Credit, you must complete Form 8863, Education Credits (American Opportunity and Lifetime Learning Credits). This form is used to calculate the amount of the credit and report it on your tax return.
4.6 Step-by-Step Instructions for Completing Form 8863
Here are step-by-step instructions for completing Form 8863:
- Part I: American Opportunity Credit: If you are not claiming the American Opportunity Credit, skip this section and proceed to Part II.
- Part II: Lifetime Learning Credit:
- Enter the name, address, and Taxpayer Identification Number (TIN) of the student for whom you are claiming the credit.
- Enter the amount of qualified education expenses paid for the student.
- Multiply the qualified education expenses by 20% to calculate the amount of the Lifetime Learning Credit.
- Enter the amount of the credit on line 29 of Form 8863.
- Part III: Education Credits Summary:
- Combine the amount of the American Opportunity Credit (if any) and the Lifetime Learning Credit to determine the total education credits.
- Enter the total education credits on line 30 of Form 8863.
- Attach Form 8863 to Your Tax Return: Attach the completed Form 8863 to your Form 1040 or Form 1040-SR when you file your taxes.
4.7 Where to Find Form 8863
You can download Form 8863 from the IRS website or obtain it from a tax professional.
4.8 Filing Your Tax Return
After completing Form 8863, you can file your tax return electronically or by mail. Be sure to include all required documentation, such as Form 1098-T and any other records of qualified education expenses.
5. Common Mistakes to Avoid When Claiming the Lifetime Learning Credit
Claiming the Lifetime Learning Credit can be complex, and it’s easy to make mistakes that could result in your claim being denied or delayed. Here are some common mistakes to avoid:
5.1 Not Meeting the Eligibility Requirements
One of the most common mistakes is not meeting the eligibility requirements for the Lifetime Learning Credit. Be sure to review the requirements carefully to ensure that you, the student, and the educational institution all qualify for the credit.
5.2 Exceeding the Income Limits
Another common mistake is exceeding the income limits for the Lifetime Learning Credit. Keep in mind that the credit is gradually reduced as your Modified Adjusted Gross Income (MAGI) increases, and it’s not available at all if your MAGI exceeds certain thresholds.
5.3 Claiming the Credit for Non-Qualified Expenses
It’s essential to claim the Lifetime Learning Credit only for qualified education expenses. Be sure to exclude expenses that do not qualify, such as room and board, insurance, and transportation.
5.4 Not Keeping Adequate Records
Failing to keep adequate records of qualified education expenses can make it difficult to substantiate your claim. Be sure to retain all receipts, invoices, and other documentation related to your educational expenses.
5.5 Not Filing Form 8863
To claim the Lifetime Learning Credit, you must complete and file Form 8863, Education Credits (American Opportunity and Lifetime Learning Credits). Failing to do so will result in your claim being denied.
5.6 Claiming the Credit for the Same Expenses as Another Tax Benefit
You cannot claim the Lifetime Learning Credit for the same expenses that you claim for another tax benefit, such as a deduction for tuition and fees. Be sure to coordinate your tax planning to maximize your overall tax savings.
5.7 Not Seeking Professional Advice
If you are unsure about any aspect of the Lifetime Learning Credit, it’s always a good idea to seek professional advice from a tax advisor or accountant. They can help you navigate the complexities of the tax laws and ensure that you are claiming all the credits and deductions to which you are entitled.
6. Strategies to Maximize Your Lifetime Learning Credit
The Lifetime Learning Credit can be a valuable tax benefit, but it’s essential to plan strategically to maximize its value. Here are some strategies to consider:
6.1 Plan Your Education Expenses
If possible, try to plan your education expenses to take full advantage of the Lifetime Learning Credit. For example, if you have some control over when you pay your tuition, you might consider paying it in a year when your income is lower, which could increase your eligibility for the credit.
6.2 Coordinate with Other Tax Benefits
Coordinate your Lifetime Learning Credit with other tax benefits, such as the American Opportunity Tax Credit and the tuition and fees deduction. Consider which benefits offer the greatest tax savings and plan accordingly.
6.3 Consider Contributing to a 529 Plan
Contributing to a 529 plan can provide tax-advantaged savings for education expenses. While contributions to a 529 plan are not deductible for federal income tax purposes, earnings in the plan grow tax-free, and withdrawals are tax-free if used for qualified education expenses.
6.4 Take Advantage of Employer-Sponsored Education Assistance
Many employers offer education assistance programs that can help employees pay for courses and training. Take advantage of these programs if they are available to you, as they can help reduce your overall education expenses and increase your eligibility for the Lifetime Learning Credit.
6.5 Keep Accurate Records
Maintaining accurate records of all qualified education expenses is crucial for maximizing your Lifetime Learning Credit. Keep all receipts, invoices, and other documentation related to your educational expenses, and organize them in a way that makes it easy to substantiate your claim.
6.6 Seek Professional Advice
Consulting with a tax advisor or accountant can provide valuable insights into how to maximize your Lifetime Learning Credit. They can help you navigate the complexities of the tax laws and develop a personalized tax plan that meets your unique needs and circumstances.
7. Understanding the Impact of Education on Your Career
Education plays a pivotal role in career advancement and earning potential. Pursuing higher education or acquiring new skills can open doors to new opportunities, increase your marketability, and boost your income.
7.1 Education and Earning Potential
Studies have consistently shown a strong correlation between education and earning potential. According to the Bureau of Labor Statistics, individuals with higher levels of education tend to earn more than those with less education.
7.2 Education and Career Advancement
Education can also be a key factor in career advancement. Many employers require or prefer candidates with advanced degrees or specialized training for management and leadership positions.
7.3 The Importance of Lifelong Learning
In today’s rapidly changing job market, lifelong learning is more important than ever. Acquiring new skills and knowledge throughout your career can help you stay competitive, adapt to changing industry trends, and advance your career.
7.4 How to Choose the Right Educational Path
Choosing the right educational path is a personal decision that depends on your individual goals, interests, and circumstances. Consider your career aspirations, financial resources, and time commitments when making your decision.
7.5 Resources for Educational Planning
There are many resources available to help you plan your education, including:
- College and university websites
- Career counseling services
- Online education portals
- Professional associations
- Government agencies
7.6 Investing in Yourself
Investing in your education is one of the best investments you can make. It can open doors to new opportunities, increase your earning potential, and enhance your overall quality of life.
8. Recent Updates and Changes to Education Tax Credits
Tax laws and regulations are constantly evolving, so it’s important to stay informed about recent updates and changes to education tax credits. Here are some notable changes to be aware of:
8.1 Tax Cuts and Jobs Act of 2017
The Tax Cuts and Jobs Act of 2017 made significant changes to the tax code, including some changes that affected education tax credits. One notable change was the elimination of the deduction for qualified tuition and fees, which was previously available to taxpayers regardless of whether they itemized deductions.
8.2 Coronavirus Aid, Relief, and Economic Security (CARES) Act
The Coronavirus Aid, Relief, and Economic Security (CARES) Act, enacted in response to the COVID-19 pandemic, included several provisions that affected education. One provision allowed students to suspend payments on federal student loans without penalty, and another provision allowed employers to provide tax-free student loan repayment assistance to employees.
8.3 American Rescue Plan Act of 2021
The American Rescue Plan Act of 2021 included additional provisions related to education, such as increased funding for Pell Grants and other student aid programs.
8.4 IRS Guidance and Regulations
The IRS regularly issues guidance and regulations related to education tax credits. Stay informed about these updates to ensure that you are complying with the latest tax laws and regulations.
8.5 How to Stay Informed About Tax Law Changes
To stay informed about tax law changes, consider the following:
- Subscribe to IRS publications and newsletters.
- Follow reputable tax news sources.
- Consult with a tax professional.
8.6 The Importance of Staying Up-to-Date
Staying up-to-date on tax law changes is essential for maximizing your tax savings and avoiding costly mistakes. Make it a habit to review the latest tax laws and regulations regularly, and seek professional advice when needed.
Here’s a list of recent updates and changes to education tax credits
| Year | Legislation | Impact on Education Tax Credits |
|---|---|---|
| 2017 | Tax Cuts and Jobs Act | Eliminated the deduction for qualified tuition and fees. |
| 2020 | Coronavirus Aid, Relief, and Economic Security Act (CARES) | Allowed students to suspend payments on federal student loans without penalty. Allowed employers to provide tax-free student loan repayment assistance to employees. |
| 2021 | American Rescue Plan Act | Increased funding for Pell Grants and other student aid programs. |
| Ongoing | IRS Guidance and Regulations | The IRS regularly issues guidance and regulations related to education tax credits. It’s essential to stay informed about these updates to ensure compliance with the latest tax laws and regulations. |
9. Additional Resources for Education Tax Credits
Navigating the complexities of education tax credits can be challenging, but there are many resources available to help you understand your options and claim the credits for which you are eligible. Here are some additional resources to consider:
9.1 IRS Publications and Forms
The IRS offers a variety of publications and forms related to education tax credits, including:
- Publication 970, Tax Benefits for Education
- Form 8863, Education Credits (American Opportunity and Lifetime Learning Credits)
- Form 1098-T, Tuition Statement
These resources provide detailed information about the eligibility requirements, calculation methods, and claiming procedures for education tax credits.
9.2 IRS Website
The IRS website (www.irs.gov) is a valuable resource for tax information. You can find answers to frequently asked questions, download tax forms and publications, and access online tools and calculators.
9.3 Tax Software
Tax software programs can help you calculate your education tax credits and complete your tax return accurately. Many tax software programs offer step-by-step guidance and support, making it easier to claim the credits for which you are eligible.
9.4 Tax Professionals
Consulting with a tax professional can provide personalized advice and guidance on education tax credits. A tax professional can help you understand your options, maximize your tax savings, and avoid costly mistakes.
9.5 Educational Institutions
Your educational institution can provide information about Form 1098-T and other education-related tax matters. Contact the school’s financial aid office or tax office for assistance.
9.6 Non-Profit Organizations
Several non-profit organizations offer free or low-cost tax assistance to eligible individuals and families. These organizations can help you understand your tax obligations and claim the credits and deductions for which you are eligible.
9.7 State Tax Agencies
Your state tax agency may offer additional tax benefits for education expenses. Check with your state tax agency for more information.
9.8 Financial Aid Offices
Financial aid offices at colleges and universities can provide information about financial aid options, including scholarships, grants, and loans. They can also help you understand the tax implications of financial aid.
9.9 Online Forums and Communities
Online forums and communities can be a valuable resource for sharing information and asking questions about education tax credits. However, be sure to verify the accuracy of any information you find online.
10. Frequently Asked Questions (FAQs) About the Lifetime Learning Credit
Here are some frequently asked questions about the Lifetime Learning Credit:
10.1 What is the Lifetime Learning Credit?
The Lifetime Learning Credit is a nonrefundable tax credit for qualified tuition and related expenses paid for eligible students enrolled in an eligible educational institution.
10.2 How Much is the Lifetime Learning Credit Worth?
The Lifetime Learning Credit is worth up to $2,000 per tax return. It is calculated as 20% of the first $10,000 in qualified education expenses.
10.3 Who is Eligible for the Lifetime Learning Credit?
To be eligible for the Lifetime Learning Credit, both the student and the taxpayer must meet certain requirements. The student must be enrolled at an eligible educational institution and taking courses to obtain a degree or to acquire or improve job skills. The taxpayer’s Modified Adjusted Gross Income (MAGI) must be below certain limits.
10.4 What Expenses are Covered by the Lifetime Learning Credit?
The Lifetime Learning Credit covers qualified tuition and related expenses, such as tuition fees and mandatory fees required for enrollment or attendance.
10.5 What Expenses are Not Covered by the Lifetime Learning Credit?
Expenses that are not covered by the Lifetime Learning Credit include room and board, insurance, medical expenses, and transportation.
10.6 Can You Claim Both the LLC and AOTC in the Same Year?
No, you cannot claim both the Lifetime Learning Credit and the American Opportunity Tax Credit for the same student in the same tax year.
10.7 How Do You Claim the Lifetime Learning Credit?
To claim the Lifetime Learning Credit, you must complete Form 8863, Education Credits (American Opportunity and Lifetime Learning Credits), and attach it to your Form 1040 or Form 1040-SR.
10.8 What is Form 1098-T?
Form 1098-T, Tuition Statement, is a form provided by the eligible educational institution that reports the amount of qualified tuition and related expenses paid during the tax year.
10.9 What if You Did Not Receive Form 1098-T?
Even if you did not receive Form 1098-T, you may still be eligible to claim the Lifetime Learning Credit if you can demonstrate that you (or a dependent) were enrolled at an eligible educational institution and can substantiate the payment of qualified tuition and related expenses with receipts and other records.
10.10 Where Can You Find More Information About the Lifetime Learning Credit?
You can find more information about the Lifetime Learning Credit on the IRS website (www.irs.gov) or by consulting with a tax professional.
Do you find yourself struggling to understand the complexities of education tax credits? LEARNS.EDU.VN offers comprehensive resources and expert guidance to help you navigate these benefits and maximize your educational investments. Visit our website at learns.edu.vn, contact us at 123 Education Way, Learnville, CA 90210, United States, or reach out via Whatsapp at +1 555-555-1212 to discover how we can support your educational journey.
