Yes, it is perfectly fine to not have a 1098-T and use your financial information from your school to complete your taxes. When you enter your 1098-T it will ask if you qualify for an exception to having a 10989-T and you will answer those questions to file your return.
To qualify for the American Opportunity Credit, your 2020 modified adjusted income or MAGI can't exceed $90,000 ($180,000 if filing jointly).
For the Lifetime Learning Credit, your 2020 MAGI can't exceed $69,000 ($138,000 if filing jointly).
