<prompt> Human: Alright. I am desperate. This vacation is a once and a life time chance for me. I am in a long distance relationship with my boyfriend. Id be going to Disneyland with him and four of our good friends. One friend already booked the room and tickets, we are just paying her back. This has been planned for months.. and it begins June 11th.I calculated the cost of everything and then did my taxes via TurboTax. My return was literally 10 over paying for it all. I was super excited. The 21 days passed.. still no refund... then last week I got a notice in the mail from the IRS that they were missing a form on my taxes I knew nothing about. Something to do with the Healthcare Marketplace. My health insurance is through my father. I am 23 and a part time employee at a grocery store. So I contacted him, got the paperwork I need.. but I am still so confused.Trying to amend my return through TurboTax makes no sense, it is acting like I am the primary insurance holder. With the IRSs helpline, my work hours have made it impossible to speak with anyone. I filed as an independent.. do I need to change that to still qualify for insurance? Also when I filed, it got filed as a 1040EZ and from what I have read, I cant file it as that with this new healthcare form.. do I need to redo everything?I went to talk to my credit union today about getting a small loan to cover my trip, the plan being to pay for the trip via the loan, then repay the loan with my refund once I get it. I just feel so nervous because I have never taken out a loan before. I have no credit. And I am not even sure whats going on with my tax refund now. I dont want to dig myself into a hole over this vacation.. but I really, really want to go. The past few years have neen really shitty for me, I just want to have some fun, but I dont want to come back home to a fucked up financial situation.EDIT: Decided to cancel the trip. Just focusing on getting my taxes sorted out. Once that is taken care of, and the money from my refund IS IN MY BANK ACCOUNT, my and my boyfriend will start planning a smaller, less expensive trip together.  <response>: This is a terrible idea. If youre counting your tax refund to the penny, you couldnt afford this trip in the first place. If you even can get a loan it will likely be 15 interest. 