For under $20 grand, with no real property yes it is. H&R only charges $100 for their “best of both worlds” software plus tax agent plan. Either H&R completely ripped her off (not that unusual) or her finances are a lot more complicated than she’s saying.
I agree. I think she may have filed a long form (sch c and such) either because they are independents and get 1099’s, not employee W-2’s, or they also get a 1099 for their tips. She probably got some bad advice. LOL
My husband was a tax accountant and all the Earned Income Credit girls used to go to H&R Block because they could get their “refund” that day in the form of high interest loan.
Don’t know if H&R still practices this rip off, since my husband died three years ago.