Go back and reread the question on the at-risk.
You ARE at-risk - meaning that you are ultimately responsible for the debts and liabilities.
Based on your response "...it destroyed my refund...", I am assuming that your response to the way the question was worded is incorrect.
The tax world is difficult, and as much as TT does a pretty good job in helping millions get through their taxes, some situations, such as at-risk, are not easy areas.
This is certainly not the first year for having to address the at-risk rules. The rules have been around for decades.
*A reminder that posts in a forum such as this do not constitute tax advice.
Also keep in mind the date of replies, as tax law changes.
