The requirement to file is based on how much income you have and what the source of that income is. You say you have no income, so, you are not required to file a tax return.
But, sometimes students don't realize that they do have income. Scholarships that pay for "qualified expenses" is tax free. But scholarships that pay for room and board and other living expenses is considered taxable income. In general, if you have more in box 5 of your 1098-T than in box 1 or 2, you have taxable income. You are required to file a tax return if the difference is more than $6350 (and that is your only income and you are a dependent) or $10,400 if you are not a dependent.
Loans, unlike scholarships, are not income.
If you are a student, over age 23, and are not claimed as a
dependent by someone else (e.g. your parent) you may be eligible for the up to
$1000 refundable American Opportunity (tuition) Credit. You must be at least a half
time undergraduate student and actually paid tuition (not just had it paid by
grants). Tuition paid by loans counts as paid by you (since you have to pay
that back, someday)
