@Caseyblue
you can't choose your tax due.
You must pay the amount calculated on your tax return.
For a covid distribution, you only have the two choices 100% or one third over three years.
If you repaid more that 1/3, ie 1/2 then
1/2 - 1/3 is carried over to next year.
according to my fractions in fourth grade that would be 3/6 minus 2/6 = 1/6 credited to your next tax return.
