topic I (recipient) received a 1099-Q with box 6 marked 'recipient isn't the designtd benefcy'. We use the money to pay students housing expense. Is this added to my income? in Retirement tax questions

I (recipient) received a 1099-Q with box 6 marked 'recipient isn't the designtd benefcy'. We use the money to pay students housing expense. Is this added to my income?

Denger1 — Tue, 03 Feb 2026 22:48:58 GMT

Re: I (recipient) received a 1099-Q with box 6 marked 'recipient isn't the designtd benefcy'. We ...

KrisD15 — Tue, 03 Feb 2026 22:52:49 GMT

No, not if it was used to pay for Room and Board for the student.

You needn't enter the 1099-Q if the full distribution was used to pay room and board at the school (or even offsite housing, but only up to the cost the school would have charged)

Re: I (recipient) received a 1099-Q with box 6 marked 'recipient isn't the designtd benefcy'. We ...

Denger1 — Wed, 04 Feb 2026 01:59:51 GMT

Ok, thank you. I figured the IRS would expect me to enter the 1099-Q info or otherwise think I failed to report the info. Yes, we used it all for room and board and was less than what our student would have paid the university for on-campus room & board.