So I'm in my early 30s and I've been an on and off college student. I've never completed a bachelor's degree, just associates, but across a few schools I definitely have over 120 credits. I'm in the middle of filing for my tax return and can't figure out if I qualify for the American Opportunity Tax Credit (usually in the past I had someone help me out so I didn't overlook anything, but I'm doing it solo this year so I need to know for sure). I haven't claimed the AOTC in the past, and I realized the wording is incredibly vague. How is "hasn't completed the first four years of college" calculated? Even the internet seems unsure about this ones, I'm seeing as many "you just need to not have a four year degree" as "can't have been in school for more than four years".

Does anyone here know how it works?