Deductions & credits

Thank you.    I think the answer I'm supposed to enter is "if you paid this off in 2021, enter the balance on the day you paid this off in 2021".    It's gives me a much lower refund amount than if I left it 0 or $1.   

Perhaps I'm just confused about the question - I had no outstanding balance as of Jan 1st 2022 so it feels like I should be putting zero.

Here is the screenshot: