Which of the following statements is true about education credits? a-a taxpayer may be eligible to claim the education credits regardless of their AGI amount b-a taxpayer can use the same qualifying expenses for both the American opportunity tax and lifetime learning credits c-a taxpayer cannot claim an American opportunity tax credit or lifetime learning credit in the same year he/she takes a tax-free distribution from a Coverdell education savings account. d-the lifetime learning credit completely phases out when modified AGI exceeds $122,000 for joint taxpayers