Nancy had a $5,000 loan from her local credit card union. She lost her job and is unable to make payments on her loan. Before losing her job, Nancy was able to repay $4,000 of the debt. The credit union determined that the legal fees to collect the remaining balance would be higher than the amount owed so they canceled the $1,000 remaining amount due on the loan. Nancy did not file bankruptcy nor was she insolvent. How much must Nancy include in her income?