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this is not a complete question, please clarify.
You can only have the fees deducted from a federal refund. So you need to pay with a credit card.
What do you mean "what if?' Then you get a state refund. Do you owe for your federal return or are you just not getting a federal refund? What is on line 35a of your Form 1040? What about line 37 of that form?
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