Deductions & credits

If I use zeros for all the subsequent loans (or leave the box blank ) then the program works exactly as it should.    Only the loan that was in force on 1/1/2020 needs to have the outstanding balance as of 1/1 listed since it was the only active loan  on that date.   All the following changes that produced a 1098 during the tax year did not have an outstanding balance as of 1/1/2020.