"I'm still being told I can't file taxes unless I file a Form 8919-T." - Who told you that? TurboTax?
If you file using TurboTax and Schedule C, then TurboTax will add a Schedule SE, which is the Social Security and Medicare taxes that the 8919 is worried about.
So let's pretend that you are a contractor (true enough), and go through TurboTax saying that you have a "business". and tell me what stops you.
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