I think I figured it out. I answered the question "Did your Aid Include Amounts Not Awarded for 2024 Expenses" as "yes" and entered the $13,704. I thought this meant was any of the amount not directly tied to a qualified expense, but reading more carefully, it means was any of the scholarship for an expense in a different calendar year. When I change that answer to "no", the $13,704 shows up as income and the credit disappears.
Thanks so much for your help!
