1098T and 1099Q

I entered the 1098T for my freshman dependent on my return.  The 1098T and the 1098Q are both in my dependent's SSN.  The amount in Box 1 of the 1098T matches Box 1 of the 1098Q. Every other box is empty on the 1099Q except gain (>$4K) and basis. The school's detailed charges page lists the dorm fee, meal plan, campus dining fee, lab fees, tuition and lists negligible amounts for a book, student athletic fee (student is not an athlete) and housing ($10?). In total these charges exceed the amount listed on 1098T and 1099Q by a few hundred.  Does that mean that I don't need to do a return for my student who had no income in 2022 to report the 1099Q gain?  Should I do one anyway just to confirm for IRS? The student also received a Federal student loan from filing the FAFSA. Does that go anywhere in Turbo Tax? Does that loan count against the gain? Thanks