a tax credit is usually not 'given $10,000'. It's like a farm expense at tax time. It's dropping your taxable income by 10K. May get some into lower tax
brackets, but would really only save you what your tax rate is, times the 10K. So he is only gonna 'give' most people 3K or less. Also, your particular
state may not recognize the tax credit, therefore no state tax deduction. Still would be a nice little shot on the arm.