I am having this exact problem. I was trying to figure out why my taxes were all messed up, and that it was calculating at over 1.2 million on my CA form when I should only have about $400,000 in debt.
I had 3 1098s:
1. Loan I paid off at the start of January (my original loan)
2. Refinance #1
3. Refinance #2
I'm digging through the forms and through the notes people listed earlier, but this is a mess.
