<prompt> Human: This might be easy to miss but you will cost yourself another 20 if you pay your product fee with your refund.  <response>: the fee is quite high, but considering that some people have no money, and no credit, its better than what you would pay a live person to do your taxes excluding free tax prep servicesthe ironic part is that if you use a credit card to pay you arent actually paying the fee till 30 days later anyway, at which point you may have already received your refundim just sayin try not to hate, while something may seem overpriced to you remember that you may take for granted having options that others do not, and for them, well, its ultimately their decision 