Without yet receiving my W-2 form, I'm having a rough time calculating my Adjusted Gross Income (needed for my daughter's student loan applications).

Is my Adjusted Gross Income equal to, or close to, the line on my final 2009 pay stub that says Total Gross Earnings? or the line that says Federal Taxable Gross?

Does the Total Gross Earnings total include only my personal 401k contributions, or does it include my personal 401k contributions PLUS my company's matching 401k contributions?

I realize I'll need to add any taxable interest income to my Adjusted Gross Income, but I'll worry about that after I figure out how to correctly calculate my salary based on my final pay stub.

Any help would be greatly appreciated.