Your parents can not claim you because you do not live with them and they do not support you.
Can your boyfriend claim you? There are two types of dependents, "Qualifying Children"(QC) and standard ("Qualifying Relative" in IRS parlance even though they don't have to actually be related). There is no income limit for a QC but there is an age limit, student status, a relationship test and residence test.
A person can still be a Qualifying relative dependent, if not a Qualifying Child, if he meets the 6 tests for claiming a dependent:
- Closely Related OR live with the taxpayer ALL year
- His/her gross taxable income for the year must be less than $4300 (2020).
- The taxpayer must have provided more than 1/2 his support
In either case:
- He must be a US citizen or resident of the US, Canada or Mexico
- He must not file a joint return with his spouse or be claiming a dependent of his own
- He must not be the qualifying child of another taxpayer
Loans are not income for the income test (#2). They are support not provided by your BF for the support test (#3). Scholarships and grants that are used for qualified educational expenses (QEE)(tuition, fees, books and course materials) are also not income, but they are support not provided by the BF.
The IRS has a worksheet that can be used to help with the support calculation. See: http://apps.irs.gov/app/vita/content/globalmedia/teacher/worksheet_for_determining_support_4012.pdf The support value of a home is the fair market rental value, divided by the number of occupants.
Unless you determine that some of your grants are taxable (and you have more than $12,400 income), you have no income to file a tax return for.
If you are over 23, there may be a refundable (up to $1000) tuition credit that you can claim by filing a tax return. This is not available if you are your BF's dependent.
