I fixed my problem. I located a youtube video from 2023. That solution didn't fix my problem, but it helped me problem solve. The video may help those who are spinning on Step 3.
https://www.youtube.com/watch?v=Olv2__NCI2M
I focused on my State return (Minnesota) and discovered that an entry I removed from a TT entry screens was still appearing on the paper print out of my return. (TT recently allowed MN to efile our Homestead Credit Refund (M1PR).) I had zeroed out line 24 but it still appeared on the paper print out.
I went into Tools/forms and deleted the M1PR and then reentered the data. After that, I was able to move to step 3 and efile.
HOWEVER, TT tried to direct me to USBank to deposit my Homestead Credit, a step it also wanted me to do with my Federal return. ( I don't have a USBank account.) I changed method to sending me a check.
Bottom line, check your paper return against your entries.
