Please don't answer if you are only going to say that I sholdn't "lend" my money to the governement for free for the year and then get a return. I know alot of people look forward to the return, I am onw of them With that said...just did the taxes and the Fedeal and State Refund (we live in NJ) is much less that the past two years. Not much has changed. Total income went up about $5000. Mortgage interest paid went down $3000. I did notice that the child tax credit went down from $1000 to $800 . We still have real estate taxes and child care deductions. Is there something that I am not aware of that would change the refund by and make it more than $1600 less for federal and $600 less for state? Not sure if there are some new tax laws or something. Thanks!