Yes, if the 1098-T shows more tax-free education assistance (like scholarships) received than what the school received as payments, (if there is an amount in Box 5) you may need to report the excess as income. If you don't have any income, the school loan interest would not matter. If you paid school expenses out-of -pocket, you might get an education credit by reporting the 1098-T
IF YOU ARE A DEPENDENT to someone else, such as your parents, you need to give them the 1098-T so that they can use it to apply for a credit. If they paid any of your loan payments, they might report the 1099-E as well. But again, if the result from the 1098-T is having to report income, that income would be reported by you.
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