Based on the information you provided, the answer to the TurboTax question "Had 4 years of college credit before 2025" is "YES."
The Internal Revenue Service (IRS) defines the completion of the "first four years of higher education" based on whether you have been awarded a bachelor's degree, not necessarily how many calendar years you spent in school. According to the IRS, "A student has completed the first four years of post-secondary education if the institution at which the student is enrolled awards the student 4 years of academic credit at that institution for coursework completed by the student before [the beginning of the tax year]."
Since you earned your BS degree in 2024, your college considered you to have completed the academic equivalent of four years of post-secondary education before January 1, 2025.
Because you must answer "Yes" to completing four years of credit, you are not eligible to claim the American Opportunity Tax Credit for your 2025 graduate school expenses.
See American Opportunity Tax Credit.
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