Don’t enter anything if it’s all qualifying.

Thanks!

Yeah if you know your 529 withdrawals are less than your eligible expenses and you aren’t trying to use the AOTC I just wouldn’t enter either the expenses or the withdrawals into turbotax.

Here’s a recent thread from bogleheads discussing this

https://www.bogleheads.org/forum/viewtopic.php?p=8675574#p8675574

I didn’t think you had to report anything to the IRS as long as the withdrawal was all for qualified expenses. ChatGPT confirmed that, for what it’s worth.

Hello,

This is the first year that I have taken a 529 withdrawal and not sure how to report this in turbo tax. Here is the scenario: Withdrew about $35k in 2025 for qualified education expenses at UMD: about $32k tuition, room, board and $3k computer and books all for my kid who is a freshman and is a beneficiary of the account.

The first withdrawal for fall semester and computer of about $18k was transferred into my (parent) checking account and then I paid the bill from there. For this, I received a 1099Q with my name and soc sec#.

For the second semester withdrawal of $17k, I had the transfer made directly to UMD. For this we received a 1099Q with my kids name and soc sec #.

Turbo tax is suggesting that I enter the $18k distribution on our married file jointly taxes but I do not see a place to offset it with qualifying expenses? When I try to enter the 1098T in turbo tax it says to exclude because it is for my son.

Any ideas how to fix?