Thanks for your input, @ShirlynW . I'd love to hear others' reactions - @Opus 17 , @Hal_Al , @KrisD15 ? My understanding from prior posts was that by adding it to education but indicating that it was used for room and board would make it taxable but pursuant to the $12,950 filing requirement, so she would owe no tax because all of her income (w-2, interest, and taxable stipend) is under this amount. Please correct me if I've misunderstood others' input to date. Thank you!
