More than a hundred million taxpayers will get a refund from the Treasury this year, and the average refund is about three thousand dollars. Of tax filers who do get a refund, it's the biggest cash infusion of the year for forty percent of them.

That sounds cool, but it means the average American taxpayer has effectively lent the government three grand until the refund hit their bank account — interest free.

Meanwhile, many of those taxpayers are either paying high interest rates on debt of their own or putting off the healthcare they need.

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