Thank you for taking the time to respond, but I am afraid that you did not understand my question. As an FYI, I have run the calculations both ways. I am very familiar with the Secure Act. The amount of the scholarship necessitates the filing of a return for my child. As I stated in my post, my child did not have dividends or capital gains. My child only had unearned income because of scholarship funds. The dividends I mentioned belong to the parent, not the child. As I mentioned, my situation is a bit complicated, and I recognize that my issue is extremely uncommon.
