Thank you for the responses! This is relieving to hear.
I was planning on using that tax "loophole" to claim the education credit, but omitted it from the question for simplicity. I only learned about it last year so I applied it in 2021 as well, but I didn't realize that it's not too late to claim it for 2019 and 2020 as well. I will look into amended returns. Thanks for the tip!
