When the Billing Option on the Bio 1 tab of a student record is set to Assign each charge to a payer's account, a Payers tab appears on the record.  When a record is selected here, the student is considered as having a formal billing arangement.  If this student is his own payer - a student centric student - his billing option should reflect this, set to Assign all charges to this student's account.  When the student is defined as student centric using this billing option, the Payers tab is not avialable on the record, and the student is not considered as having a formal billing arangement, and should appear on 1098T processing without marking the option to include students with a formal billing arrangement.