Thanks NCperson. Turns out that TT does apparently think that I'm eligible for AOC this time around. In previous years my 1098-T was directly applied to my 1099-Q "income" with no diversion.
It's surprising that TT automatically makes the "default" assumption of diverting to credits of $10,000 WITHOUT ASKING, since the max that can be used for AOC is $4,000. At least now I know where I can change it.
