My 1098-T Box 5 $44,999 exceeds Box 1 $23,099. Note, I am ineligible for the American Opportunity Credit (taken 4 times). If I enter the amounts as is, the tax owed amount goes way up. Based on the detail provided by the school for Box 5, the scholarship/fellowship includes the $12,500 I received directly as a stipend, but it also includes other fees, tuition, and health insurance amounts that I did not receive directly ($32,499). Therefore, should I adjust the box below Box 1 in Turbo Tax to reflect these other amounts ($23,099 + $32,499 = $55,598). Alternatively, should I adjust it, but exclude the health insurance amounts?
