The $78 was for the Turbo Tax fees. There is no charge for the refund advance loan. You are in Deluxe. Deluxe is $39 plus an Extra $39 Refund Processing Service charge, which you could have avoided by paying upfront with a credit card.
What is the Refund Processing Service
https://ttlc.intuit.com/questions/1900596-what-is-the-refund-processing-service
