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Do mortgage payments count as room and board qualified education expenses?
I have a Roth IRA. I'm currently attending a graduate program, and am enrolled fulltime at the university. I currently live in a condo near campus that I own myself and don't rent a spare room to anyone.
I know that qualified education expenses can be withdrawn from your Roth IRA without having to pay an early distribution penalty. I also know that room and board can be considered an education expense if you are enrolled more than half time. I'm curious if my housing while I'm in grad school, can be paid for to some amount using my Roth IRA, even if I'm not living directly on campus, and housing expenses take the form of HoA fees and Mortgage payments.
The reason I ask is because if this is not the case, I will likely have to withdraw from my Roth IRA anyway with the early distribution penalty. Does anyone know if this counts?