Don't take out tax-refund loans. That's a warning from state officials.
They want taxpayers to file electronically and get a faster refund.
More than 114,000 Wisconsin taxpayers got refund loans in 2003, and it cost them more than $28 million in fees.
A Wisconsin Bankers Association spokeswoman says a lot of people turn to the loans because they don't have a bank account, which you need to get a fast direct deposit electronic refund.
Officials at H&R Block say for many people, the loans are helpful.
But, they aren't cheap. An average tax refund of $2000 can carry fees of over $250.