I received a 1099Q for a $14K withdrawal on 12-22-22. I used this to pay tuition with the majority of that money on approximately 1-7-22. The rest will be used later in the year for the fall semester. I'm being told I have to pay tax and a penalty on the withdrawal since I don't have a 1098T to offset it for 2022. I will receive the 1098T in 2023. It's going to cost me around $4k in additional taxes if I can't find a way to fix it. Any advice? Thanks
