@confused - yeah I think we ran a lot of people off in this thread!
I still think you are good to go with the way you describe it. She is under the standard deduction on income so if TT is adding the 1099Q to her income its just not visible to tax (ie under the 12,200).
-Loans - again, and as @NCperson said...don't think about the payments, think about 'what was paid for'. Sounds like you are square on that...and getting your AOTC $.
-Room and Board for commuters. This sounds like it could be the next doctoral thesis for some brainiack. Above my pay grade and probably something to avoid unless we can find better software that helps walk us through or we get a definitive ruling from an authority.
