It sounds like you tried to pay back the money to the same retirement account and someone told you that you could not do that, correct?
You don't have to put the money back into the same account that you took the money from. You can set up a rollover IRA account with a brokerage firm and deposit the money in that account.
It is your choice to pay back some of the money. If you elected to pay tax only on 1/3 of the distribution last year, this year you will pay tax on the 2nd 1/3 of the distribution.
When Form 8915-F is ready, let TurboTax know that you have already paid back 1/3 or whatever amount you put back into a retirement account.
If you paid tax on 1/3 of the distribution last, and you decide to pay back all of it by this time next year, you can go back to amend your 2020 return to get back the extra tax dollars you paid.
@Mitz22
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