@cjob thanks
It is lines 9 (bottom one) and 10 in 2021 from my 2020 TQDD that seem to be the issue on my end that mess up 2021 taxes. I'm not sure why what I paid back in 2019 matters and would be calculated in what I owe in 2021, I paid that part back or the taxes on what was owed in 2020.
