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Default Student loan formula

Hi all,

I am trying to get this formula to complete a student loan formula.

=IF(AND(H31=H33,H31="no"),"",IF(AND(H31=H33,H31="y es"),(H31-18148)*0.1+(E33-18148)*0.1)

h31 = income
h33 =income

e31 = yes/no
e33 = yes/no

So if yes is selected in e31 and or e33 i need the formula
(h31-$18,148)*10%. There is also a need to show no result if either
applicants income is less than $18,142. Of course only one applicant may have
a student loan and the other may not. So i need the formula to populate the
object cell with nothing if neither applicants have a student loan, the
answer if 1 applicant has a student loan but the other does not or add the
answer together if both have a student loan.

Can you see where i have gone wrong in my attempt?
--
Thanks in advance.

Scoober
 
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