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IF I ELECTED TO APPLY MY STATE REFUND TO MY MY FEDERAL TAX DUE THEN WHY IS IT ASKING ME ABOUT PAYMENT PRIOR TO SUBMITTING?

 
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IF I ELECTED TO APPLY MY STATE REFUND TO MY MY FEDERAL TAX DUE THEN WHY IS IT ASKING ME ABOUT PAYMENT PRIOR TO SUBMITTING?

You must have misunderstood something.  You can never use a state refund to pay your federal tax due in Turbotax.  You need to make separate payment arrangements, and then the state refund will be paid to you by the state.

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