If you use a paid version of the TT program (no matter what your age) then you have the choice to pay upfront OR use the refund processing service for an extra fee. But to file the fee must be paid in some fashion.
Now do you really need a paid version ???
If you qualify AND if you wait until mid January THEN you can use one of the 10 IRS FREE FILE options to file a fed & state return for free ... but you must be patient. https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free
IRS Free File: Closed until January 2021
IRS Free File is closed for the 2020 tax season. Check back in January for Filing Season 2021 opening details.
For Filing Season 2021, you must make $72,000 or below to use IRS Free File partner offers.
