Julie graduated first in her class from Gatorville High School and earned a scholarship of $10,000 a semester to attend University of Gatorville. The scholarship covers tuition, books, fees, and equipment. In addition, Julie took out a student loan of $5,000 per semester and works part-time at the campus book store, earning $4,000 a school year. Herparents give her $500 each month. What must Julie include in her tax return?