Are the grants and the loan to be used for living expenses or for tuition?
The 11K is what remains for living expenses, which is why it's considered a taxable source of income since it's not used on tuition or other qualifying education expenses.
If the IRS says it's income, why would you doubt that it's income?
I definitely don't doubt that it should be considered as income, this is just what the recon rep said after asking if I had any other sources of income. But I will definitely include it if I app again, I just feel hesitant after already being shot down once haha
You shouldn't apply if you're that sensitive
Total revolving limits 741200 (620700 reporting) FICO 8: EQ 703 TU 704 EX 691