https://ttlc.intuit.com/community/business-taxes/discussion/can-i-just-not-bother-with-roth-rollover-1099-q-and-a-fully-supported-1099-q-1098-t/01/3800398#M127854 <P>Every year it's the same nightmare, trying to enter a 1099-Q from a 529 to Roth rollover and a 1099-Q with matching 1098-T when the 1099-Q funds are completely used for educational expenses.&nbsp;Support just tells me "yeah, looks like that's broken, just wait for an update" or the app says "we don't support that yet, just wait" (last year, I just had to lie in the intake/interview process).</P><P>&nbsp;</P><P>I see the IRS 970 instructions say</P><P>&nbsp;</P><P>"Don’t report qualifying rollovers (those that meet the above criteria) anywhere on Form 1040, 1040-SR, or<BR />1040-NR. These aren’t taxable distributions."</P><P>&nbsp;</P><P>This certainly seems to support not filing anything for the Roth rollover (trustee-to-trustee, 15 years, same beneficiary, 5 years, etc., rules are all met)</P><P>&nbsp;</P><P>I also see similar in places like TurboTax support for actual educational expenses.</P><H4><STRONG><EM>"TurboTax Tip:&nbsp;</EM></STRONG><EM>Beneficiaries are not required to report distributions on their tax return as long as the distributions are used for qualified education expenses."</EM></H4><P>but they provide no supporting IRS document. And this specifically says beneficiaries - the payout was to me, the account owner who made the payments, not my kid, the beneficiary. Anyone have an actual IRS source for guidance on this?</P> Wed, 25 Feb 2026 15:31:55 GMT RichInPitt 2026-02-25T15:31:55Z https://ttlc.intuit.com/community/business-taxes/discussion/can-i-just-not-bother-with-roth-rollover-1099-q-and-a-fully-supported-1099-q-1098-t/01/3800398#M127854 <P>Every year it's the same nightmare, trying to enter a 1099-Q from a 529 to Roth rollover and a 1099-Q with matching 1098-T when the 1099-Q funds are completely used for educational expenses.&nbsp;Support just tells me "yeah, looks like that's broken, just wait for an update" or the app says "we don't support that yet, just wait" (last year, I just had to lie in the intake/interview process).</P><P>&nbsp;</P><P>I see the IRS 970 instructions say</P><P>&nbsp;</P><P>"Don’t report qualifying rollovers (those that meet the above criteria) anywhere on Form 1040, 1040-SR, or<BR />1040-NR. These aren’t taxable distributions."</P><P>&nbsp;</P><P>This certainly seems to support not filing anything for the Roth rollover (trustee-to-trustee, 15 years, same beneficiary, 5 years, etc., rules are all met)</P><P>&nbsp;</P><P>I also see similar in places like TurboTax support for actual educational expenses.</P><H4><STRONG><EM>"TurboTax Tip:&nbsp;</EM></STRONG><EM>Beneficiaries are not required to report distributions on their tax return as long as the distributions are used for qualified education expenses."</EM></H4><P>but they provide no supporting IRS document. And this specifically says beneficiaries - the payout was to me, the account owner who made the payments, not my kid, the beneficiary. Anyone have an actual IRS source for guidance on this?</P> Wed, 25 Feb 2026 15:31:55 GMT https://ttlc.intuit.com/community/business-taxes/discussion/can-i-just-not-bother-with-roth-rollover-1099-q-and-a-fully-supported-1099-q-1098-t/01/3800398#M127854 RichInPitt 2026-02-25T15:31:55Z https://ttlc.intuit.com/community/business-taxes/discussion/re-can-i-just-not-bother-with-roth-rollover-1099-q-and-a-fully-supported-1099-q-1098-t/01/3800413#M127855 <P>Please ignore -&nbsp;Not sure how this was posted in Business &amp; Farm.&nbsp; &nbsp;</P><P>&nbsp;</P><P>Reposted in the correct location.&nbsp; I see no way to delete it, but if there's some type of moderator, please delete this.</P> Wed, 25 Feb 2026 15:35:50 GMT https://ttlc.intuit.com/community/business-taxes/discussion/re-can-i-just-not-bother-with-roth-rollover-1099-q-and-a-fully-supported-1099-q-1098-t/01/3800413#M127855 RichInPitt 2026-02-25T15:35:50Z