Connor and Jordan are a married couple. Jordan is thinking of retiring soon from her job as a teacher, and wants to start a community garden once she has more time. She is considering doing a $9-$month horticulture certificate program at the local college. The program costs $$10,000($tuition and fees$),$ but the local community center where she would start the garden has promised a scholarship for half of the costs. She would get a student loan for the remaining $$5,000,$ which would charge annual interest of $$400.$ Connor and Jordan would like to know how these items would affect their taxes. Specifically, they want to know how the cost of the program and scholarship will affect their taxable income, how the student loan and interest will affect their taxes, and if there are any credits available to them?