<prompt> Human: People say if you get a tax return each year you are loaning the government money at no interest. They think this is unwise. For a lot of people a sudden infusion of cash is far better than 12 small increments that they would otherwise had.Lets say your tax return is 3,500. At 1.5 interest rate, thats 52 per year. For a lot of Americans, a one-time refund of 3,500 is worth the loss of 52 of potential interest.Sometimes finance is not about the perfect technical answer but rather what works in practice.It would be even less than 52 because that 3500 would be deposited over 12 months, not all at once on January 1st.  <response>: The word youre looking for is refund.Return math and forms and schedules. Taxpayers file returns, either by mail or electronically. Refund when a Taxpayer overpays, they may request a refund, either by direct deposit or by mail. 