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Split nails down the middle are commonly found in the fingernails and very rarely occur in the toenails. The causes of nail splitting down the middle are as follows: lack of moisture, fungal infection, protein and vitamins deficiency, hypothyroidism, psoriasis. In most cases, good hygiene and simple treatment therapies help cure and prevent nail splitting down the middle. However, in spite of these efforts of treating and preventing your nails from splitting, if the condition does not improve, talk to you doctor immediately.