Thank you, this is very helpful. I've read through your response and I think there is only one loose end: Regarding her W2, there is no federal tax withheld, but there *is* state tax withheld ($87; state of IL). Could that mean she (the dependent kid) should file a state but not a federal tax return? (that naively would sound "red-flaggy" to me, but what do I know). And if she *should* file now (state and/or federal finding, based on having state tax withheld), does that change anything for (say) reporting the 1099Q in her name (I know I'll still claim the 1099Qs in my name, if they get reported at all), and where the 1098-T gets reported? Sorry in advance!
