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That is my exact situation . I even proactively paid off my credit card out of my savings with the expectation that my refund was right around the corner. To some this may have been a risky / dumb move but in my 15 years of filing I’ve never had a rejected return and or a return under review . And the tax calendar prediction has always been accurate . My biggest fear now is that I send these documents in and something else is wrong which will add even more time . I pray everyone in a similar situation are prepared to weather  this storm .