Yes but lets say Tuition is 45k. After FA (scholarships, all loans work study grants) the balance is 30k which I pay 10k from the 529 plan I own in D’s name, 1k in savings bonds (in my name, not my child’s since that is taxable) and the balance in a check from my personal checking account for $19k). In that situatiotn since it was different money I have no income on the 10k from the 529, the 1k from savings bonds and I assume I can take a federal tax deduction or credit on some part of the $19k I paid out of pocket? (first year doing this, have not researched tuition tax credits yet.) I that the $5k credit? Thank you