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Save Money

Services provided by VITA at Virginia Law and CASH at Madison House are free.

VITA at Virginia Law, CASH at Madison House
:
- Cost of preparing returns (federal and state): Free
- Cost of e-filing returns: Free
- No Refund Anticipation Loan (RAL)
- All tax preparers have passed at least two IRS certification exams

Refunds
- Receive 100% of the refund to which you are entitled (if you are entitled to a refund)
- 5-10 business days to receive refund with e-filing and direct deposit (longer for paper check)
- No fees to receive your refund

Wait & Save
By waiting just a few days in January and having your taxes prepared for free by us, you save between $129 and $473+. That's like working up to 65 hours - or 8 full-time days - at Virginia's minimum wage.

What a Paid Preparer Will Cost You
1
Type of Return
 Cost
 Federal return + one state return1 $129
 Federal return with itemized deductions + one state return1 $243
 Federal return with self-employment income + one state return1 $341

What a Refund Anticipation Loan (RAL) Will Cost You
2
 Type of Fee
 Cost
 Loan Administration Fee2
 $32
 Typical 178% APR interest rate on an average refund (7-10 day period)2
 $100

- VERSUS -

What We Will Cost You
 Type of Return or Service3
 Cost
 Federal return + up to TWO state returns
 $0
 Itemized deductions
 $0
 Self-employment income
 $0
 Capital gains or losses
 $0
 Earned Income Credit (EIC)
 $0
 Retirement Savings Credit
 $0
 American Opportunity Credit
 $0
 Lifetime Learning Credit
 $0
 Additional Child Tax Credit
 $0
 ANY credit, adjustment, or deduction
 $0
 Electronically filing (e-filing) your return
 $0
 Direct deposit of your refund into your bank account
 $0
 Receiving your refund by check
 $0

1 Based on average cost nationally or the southeast region of the United States; National Society of Accountants, 2010 Fee Study Summary.
2
Source: Consumer Federation of America & National Consumer Law Center, Refund Anticipation Loans: Facts & Figures (2006).
2 Within the scope of the VITA program and taxpayer requirements.