"We just got done with DD's taxes dealing with scholarships that were used for room and board. She owed $1515 in income taxes on the scholarship income."
That is just wrong, and I know I have vented on this issue on another thread but I still believe it is just misguided government tax policy. Your daughter worked hard academically (for which she probably sacrificed other enjoyments) and was rewarded by university with merit scholarship, and by military with ROTC. If our country really wants to acknowledge and reward students for academic success then do not tax their scholarship if used for room and board. There should be a tax credit for the hard work put in, and will most likely benefit the country later when he or she is vocationally successful and paying higher taxes on earnings. I know everyone has to live and eat somewhere, and others without scholarships have to pay taxes on their earnings. But it is hypocrisy for leaders to talk about encouraging youth to achieve academic success while doing nothing to assist middle class, and in fact allowing policies in place that hurt even more. I will put away soap box now.