You need to complete the tax return. Then, and only then will you know for sure if you qualify for the refundable portion. I suspect you won't. But when I put my two kids through collage we didn't borrow money. We cash flowed their living expenses and that portion of their tuition not covered by scholarships and grants. Because my household income was to high (and yours is not even close to being high) I didn't qualify for the AOC at all. So you very well may for all I know.
Also, don't go by what the program may tell you upon completion of the education section either. You have to complete the ENTIRE return, so the program has ALL of your information to work with, in determining what deductions and credits you actually qualify for.
