Sorry, another question and I can't see how to start a new thread. Someone just posted this to a Facebook group about paying for college. Is it true that you don't have to deduct loan proceeds from QHEE for 529 withdrawals? I know loan proceeds (I'm assuming not the origination fee, since that wasn't paid to the university and probably won't be on the 1098-T) count as student's/parents' payment for AOTC, but it just seems strange that if say tuition was $10k, scholarship $6k for freshman fall semester and loan proceeds paid to university $1732 plus let's say room and board was $5k, that $10k-$6k=4K is applied to AOTC, that includes the loan, and then the entire $5k of room and board would qualify for 529, and that years later the student would still be allowed to pull $1750 (entire loan including origination fee) from the 529 to pay back the (subsidized) loan? https://www.savingforcollege.com/article/what-is-the-best-way-to-use-529-plan-funds
