maybe i can be clearer... i will report the 1099Q and any resulting non-educational expenses - TT lets me enter non-dependent educational costs in the 1099Q section. I don't have to enter the 1098T info on my return at all. Then on her return, she reports the 1098T, but not the 1099Q (because it's in my name and my ssn). If i had zero non-educational costs, then i wouldn't have to enter 1099Q info on my return at all - either way, i'm not getting a deduction at all, i'm just paying the tax / penalty on any distributions from the education plan. She enters the 1098T info - TT states that there's no tax deduction resulting from the tuition & fees, but does state the American Opportunity Credit is available. That doesn't sound like double dipping to me - or what am i missing? thanks
