UPDATE: Still struggling to make this work. My total tax owed is now $1200 (I added some miscellaneous income). I tried your excellent suggestion, did not enter the 1099-Q, and filled out the 1099-T with varying amounts on Line 1 (initially around $5K which should have calculated to be about the same credit as the tax I owe, then lower and lower amounts), but TT still says I’m not eligible because either I can be claimed as a dependent on someone else’s return (NO) or that I don’t have enough educational expenses. Would appreciate any additional advice!
