You can file a 2020 tax return at any time. Using TurboTax you e-file the 2020 return up through October 15, 2021. After that date the 2020 tax return can only be printed and mailed.
If your 2020 tax return has a tax refund or there are no taxes owed then there are no penalties for filing after the due date of the return. If taxes are owed you need to file and pay the taxes as soon as possible as penalties and interest are accruing. The IRS will send a bill in the mail for any penalties and interest after they receive the tax return and your payment.
You can upgrade to one of the Live editions, at a higher cost, which will give you access to a Tax Expert.
Click on Upgrade on the left side of the online program screen.
See this TurboTax support FAQ for contact a Tax Expert when using the Live online editions - https://ttlc.intuit.com/community/expert-review/help/how-do-i-connect-with-a-tax-expert-in-turbotax-live/01/27282