Confused as to whether child has to file taxes

My question is my child is a resident of IN, goes to school in MI.  Worked for college in MI during summer.  W2 shows Box 1 $6400, Box 3&5 $4900.  Why the difference?  Box is $445.  She paid no MI or IN taxes.  Does she have to file MI and IN state taxes?  1099Q Box is $6700.  1098T Box 5 is $22636.  Does this mean she has to file a tax return because $6400+$6700=$13,100>$12,200?