I just got my last W2 in the mail Saturday, I telefiled today, I am using my money to pay off my car loan, I won't totally pay it off, but after that I will only have $315 left to pay, which I should be able to do in Feb, with the refund I will pay it off that much sooner and be able to save money for my next trip to WDW, and for moving out to my own place.