What does it mean when it’s say you have schedule non refundable credits

[fanfare]

IRS has added six schedules to the 1040. Intuit has chosen to charge you if you need those schedules.

[mesquitebean]

Non-refundable credits are credits that can decrease your tax liability to zero, but not lower than that amount.  Any left over credit is forfeited.

In contrast, refundable credits are credits that can reduce your tax liability to "below zero".  i.e., one can still get the excess credit refunded even after it reduces one's tax liability to zero.   Is America great or what!

Non-refundable credits are reported on the new Schedule 3, which requires Deluxe or higher.

Or if you don't want to use a paid edition, TurboTax has another free product called the TurboTax Free File Program.  It is free for both Federal and State returns--IF you meet just one of the qualifications.   It can handle all the usual forms without the limitations of regular Free Edition.

See this FAQ to see if you meet one of the qualifications:
https://ttlc.intuit.com/questions/1900583-what-is-turbotax-free-file-program

The TurboTax Free File Program is located at the link below.  It requires a new User ID from what you are currently using for Free Edition since it is a different website, and the IRS requires it to be disconnected from the TurboTax commercial products.
https://turbotax.intuit.com/taxfreedom/

If you decide to switch, here's how.  Note you will need a new User ID, different than Online TurboTax.
https://ttlc.intuit.com/questions/2026912-how-do-i-switch-to-turbotax-free-file-program