Question

This is a financial market question but no one can answer it. can someone please help?
please help
Which of the following is not true concerning Income Tax Refunds?
It is advantageous to receive a large sum of money in the form of a refund so that you can use the money to pay down debt.

You are essentially giving the government an interest–free loan.

It means that you are having too much deducted from your paycheck.

You haven't properly evaluated your personal tax circumstances.