Thanks. I tried deleting the 1099-Q and going through the interview again, but I don't see the questions that asked for figures. So I re-added the 1099-Q, the refund dropped like the first time, then went through the interview and the part where it maximizes the tax break. It still showed that I would get the $2500 American Opportunity Tax Credit, and the refund still stayed lower than before. So I'm stumped, thinking that when I went through the interview the first time, I must have checked the box that said I had NOT received a 1099-Q, and didn't enter any figures. But I still don't understand how entering the form's figures would reduce the refund since 529 distributions are tax free when used for approved educational purposes. It has me wondering whether I need to somehow just the whole process over again, but I don't know how I'd do that either.
