I don't have an answer for you. But I have similar situation after entering all the numbers for 1099-Q and 1098-T. turbotax 2018 said there is no taxable amount for 10% penalty but there is a non-zero amount for the regular tax part. I am not sure why the two amounts can be different in my case. My college kid has no scholarship or student loan, just a college pre-paid plan that pays directly to the university for their bill. This should not be any easier situation but still there is a taxable amount from turbotax.
