@connexcindy2016 You are not going to like this answer. The IRS is putting it all on you.
Think of it this way, suppose the IRS decides to audit your return for education expenses.
You need to be able to pull out a spreadsheet or a piece of paper, something showing how you put it all together and how you delegated income and expenses.
I won't give examples as you have seen some of mine already.
All on you to determine what is best for your family. The IRS is being generous here but it can feel like swimming through mud. Start it out, play with examples, and at some point, like any good math problem, a light may go off and the best way for your family will come out of it. Good luck!
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