I am a US citizen in an overseas degree program. I earn 20k in stipend & and pay taxes overseas. I do not abroad long enough, so no exemption. How much tax do I pay? 1k?!

Since my program started in August 2024, I do not qualify for the Bona Fide or Physical Presence exemptions. But $1k in taxes seems excessive for having received $20k in housing stipend. FYI, my housing cost more than that.