As you alluded to in your question, the credit is non-refundable and will only reduce your income tax to zero. You mention you have a tax liability of >$20K. It is probable that tax liability is not from income tax but other taxes such as self-employment taxes. You can see your 1040 using these steps. Look at lines 20-24 on your form 1040. You can also see schedules 2 and 3 for the credit and other taxes entries.
- "Tax Tools" in the left hand menu
- "Tools"
- "View Tax Summary" in the main screen
- "Preview My 1040" in the left hand menu
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