Yea they got a $3000 refund. They spent $3000 on Christmas in anticipation of getting the 3000 so they have to pay off that credit card.
OR they just got a refund anticipation loan from H&R block, they already spent the money, and the refund is paying back the debt.
OR they spend 2500, and use 500 to pay down debt. Then when poled they say they paid down debt.
Show me the % that saved 100%. Thats the impressive number.