This is not a work-around.
The program has no way to know what your acquisition debt is by the information you enter from the 1098.
The instructions above are the steps you need to follow.
Enter the 1098,
if the program asks if your debt is over the limit, you need to answer and make the adjustment in the program.
Perhaps in the near future the IRS will instruct the Lenders to report the average debt, but so far that is up to you to calculate and adjust.
IRS Pub 936
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