So I'll try to make a long story short. My father got sick lost everything finally sold his business and had no bank account, so he put the money in my account till he got his. Turns out the bank had just acquired my student loan debt and decided to take the money. I called told them the story,and showed proof of my situation and they said they'll only take X amount and give back the rest. I said okay without even thinking. We had medical bills to pay. Now I'm on the hook for 25K. I read on the IRS website say's this:

"Canceled Debt that Qualifies for EXCEPTION to Inclusion in Gross Income:
Amounts specifically excluded from income by law such as gifts or bequests
Cancellation of certain qualified student loans
Canceled debt, that if paid by a cash basis taxpayer, would be deductible
A qualified purchase price reduction given by a seller
Any Pay-for-Performance Success Payments that reduce the principal balance of your home mortgage under the Home Affordable Modification Program"

Any of this apply to me? I live with my sister and bro in law as their nanny and they pay for everything. What money I do get is from odd jobs that provides income that I don't have to declare. They are going to try to claim me as qualified dependent. As of right now before anyone has done taxes; turbo tax say's I owe Feds 3444 and state of CA 603. I technically made only 375.00 last year with 200 in food stamps.
Any help is appreciated.