If you received more help than you paid (if box 5 is bigger than box 1) then you have taxable income.
Please see this IRS article Publication 5197, Education Credits and Form 1098-T
For Tuition Paid, About Form 1098-T, Tuition Statement
When you start paying back loans, you take the loan repayment credit. Completely different things. Student loan repayment will come on 1098- E.
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