Where can I enter info from a 1099Q in the Turbo Tax Premier version? This is earnings from a 529 withdrawal.

[Hal_Al]

The 1099-Q is  only an informational document. The numbers on it are not required to be entered onto your (or your student's) tax return. The interview is complicated and it's easy to make mistakes. Avoid it if you can and you probably can. 

You can just not report the 1099-Q, at all, if your student-beneficiary has sufficient educational expenses, including room & board (even if he lives at home) to cover the distribution. When the box 1 amount on form 1099-Q is fully covered by expenses, TurboTax will enter nothing about the 1099-Q on the actual tax forms. But, it will prepare a 1099-Q worksheet for your records (you don’t need it). You would still have to do the math to see if there were enough expenses left over for you to claim the tuition credit. You also cannot count expenses that were paid by tax free scholarships.

References:

1. On form 1099-Q, instructions to the recipient reads: "Nontaxable distributions from CESAs and QTPs are not required to be reported on your income tax return. You must determine the taxability of any distribution." 
2. IRS Pub 970 states: “Generally, distributions are tax free if they aren't more than the beneficiary's AQEE for the year. Don't report tax-free distributions (including qualifying rollovers) on your tax return”.
3. "IRS Publication 970, Tax Benefits for Education states: If the entire 1099-Q went to qualified expenses, room and board, tuition, etc; then, you do not need to enter the form." 

Otherwise, In TurboTax (TT), enter at:

Federal Taxes Tab (Personal for H&B version)

Deductions & Credits

-Scroll down to:

--Education

  --ESA and 529 Qualified Tuition Programs (1099-Q)

[joanne-galvin]

Where can I enter info from a 1099Q in the Turbo Tax Premier version?

This is earnings from a 529 withdrawal that was NOT for a qualified expense.

[LindaS5247]

I have provided instructions below on how to enter a Form 1099-Q. 529-plan distributions (reported on Form 1099-Q) are not taxable if used for qualified education expenses, such as tuition, fees, books, and room/board.  But as you have indicated, since your withdrawal was not for a qualified expense, you must report it.

You can get to the Form 1099-Q screens in TurboTax to check your entries as follows:

1. Click on "Search" at the top right of your TurboTax screen.
2. Type "529" into the search box.
3. Click on the link "Jump to 529"
4. Your screen will ask if you received a Form 1099-Q for qualified tuition program distributions in 2025.
5. Follow through the TurboTax screens and enter your information regarding your distributions.
6. Make sure all follow-up questions are answered properly.

There is a penalty for a 529 plan withdrawal used for nonqualified expenses.  A 529 plan nonqualified withdrawal penalty is a 10% federal penalty tax applied only to the earnings portion (not the contributions) of the withdrawal, and an ordinary income tax on those earnings. The taxable earnings are prorated based on the ratio of earnings to the total account value. State taxes may also apply. 
 

 Click here for 529 Plans and Taxes: Deductions, Tax-Free Withdrawals & More

Click here for Guide to IRS Form 1099-Q: Payments from Qualified Education Programs

Please return to Community if you have any additional information or questions and we would be happy to help.