Deductions & credits

It was another field you are thinking of (see screenshot).

I technically can bypass the error by hitting continue a couple times.  But not sure which is legally correct.  Perhaps I'm just confused about the question.   I have zero balance on the loan as of 1/1/2022 (since it sold in 2021), so I naturally want to enter "zero" or "blank" as the answer.

But the second part of the question says to enter "last balance from 2021" which clears the error, but it wasn't the balance I had as of 1/1/2022 (and significantly reduces my return)".