If your IRS Transcript doesn't show a 1098 issued to your SSN for your first lender, you can enter the 1098's you have. Basically you'll be reporting the Beginning Balance of your loan (which you can enter for the earliest 1098 you have). You'll be indicating that the other 1098's are a continuation of the earliest one, for the same loan.
Your Loan Balance as of 01/01/2024 will be $0, since you didn't take the loan until 05/15/2024.
Here's more info on Multiple 1098s.
@Segalgirl2
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