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No, you are not required to file a tax return.
Loans are not income. Scholarships SOMETIMES can be, but not usually.
If you are a student, over age 23, and are not claimed as a dependent by someone else (e.g. your parent) you may be eligible for the up to $1000 refundable American Opportunity (tuition) Credit. That credit is not dependent on having either kids or earned income. You must be at least a half time, degree or certificate candidate, undergraduate student.
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