@emmalouhertel We cannot confirm, with certainty, that you do not have to add in the 1099-Q. Technically, you do not meet the requirement that the 529 distribution should be made in the same year as the payments to the school were made. I'm of the opinion that you meet the the intent of the 529 law. If it were me, I would just not enter the 1099-Q and hope I could convince the IRS if they contact me. You distribution and payment are less than a week apart. Try to do better next year.
@KrisD15 said "The instructions allow a credit to be carried back, but not forward". Do you have a reference for that? That's not my understanding.
