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Then why do they bother to say that you can deduct loan origination fees? I mean, by definition don't they come at the beginning of the loan?

I don't know. Do they? If you were required to pay the origination fee at the beginning of the loan, it seems to me it would be deductible when paid. Note that there is no forebearance, and there's just 1 month counted against your 60. If, however, the origination fee is capitalized and need not be paid until the period of forebearance ends, then payment at the beginning would be voluntary and not deductible unless paid 1/1/2002 or later.

Phil Marti
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