With desktop software you get the federal program and the software to PREPARE state returns for one state of your choosing. There is a state e-file fee of $25. You can avoid that state fee if you file the state by mail. But if you decide to e-file the state, you should pay the $25 upfront using a credit or debit card. If you choose to pay the $25 fee by having it deducted from your federal refund---you also have just agreed to pay an extra $40 "refund processing fee".
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