Applying for a loan, received a message saying if I file the CTC, the return will not be available until after February 15th die to the IRS guidelines for claiming CTC. So I'm wondering if I can deny claiming that part just to get the much needed loan, and amend the Tax Return once the filing starts in Jan/Feb to then receive the full amount leftover plus the CTC. Basically, you can't get the loan if you file the CTC, you would automatically have to wait until after February 15th, which defeats the purpose of needing the loan now.
