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But I haven't paid anything yet. The IRS hasn't taken any money out of my account yet. I'm confused when you say refund because I haven't paid anything yet. They can't refund me if they haven't taken anything. Unless i'm understanding this wrong. If I owe 2 grand without the $10,200 unemployment credit applied, are they going to recalculate that for me and let me know what the total i'll owe is?