After removing all 1099Q and 1099T as suggested above, my tax actually went up. I think it is because I can no longer claim the $2000 credit for higher education. TurboTax picked reporting "portion" of 1099Q distribution as income and taking the education credit for me. However I am still not clear how the "portion" of 1099Q as income is derived. In my case, the reported income from 1099Q distribution is about 10.55% of the total distribution (not just the earnings).
