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Get your taxes done using TurboTax
Or.....are you asking about how to pay your TurboTax fees? Again---not sure why you mention your age.
If you choose to pay from your refund it will cost you an extra refund processing fee of $39.99 ($44.9 in CA). You avoid that fee if you pay your TT fees upfront.
And.....maybe you could use one of the free versions of the software that becomes available in mid-January:
If you qualify to use it, there is another full-featured free version of the software:
Try Free File:
You qualify if your income was $39,000 or less, or $72,000 or less if active duty military, or if you qualify for Earned Income Credit
https://ttlc.intuit.com/questions/1900583-what-is-turbotax-free-file-program
Note: If you do not qualify to use Free File then you will have to upgrade to Deluxe or higher in the paid versions of the software.
Online Deluxe $40 State software $40
Or—-Use this IRS site for other ways to file for free
https://apps.irs.gov/app/freeFile/