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So hoping you can help! Unfortunately, very long story, but basically, my daughter took out  a HELOC  for $45K to pay off credit cards and to purchase used car.  She did not sell her home.  When they went to settlement, the lender hid the fact that she had to pay back the Covid forbearance ALONG with the First Time Homebuyers help, even though she did not sell her home - still lives there - just was taking out a loan.  So instead of getting $40K, she only received $6K  It's been a nightmare, but basically can she deduct anything on her 2024 taxes with regards to paying off these? Thank you in advance for your time. Debbie