Money in the bank! Gotta save more money because I think the economy might go into a double-dip recession. Too many indicators pointing in that direction to ignore. If the Federal Reserve keeps printing money, we're all screwed.
Student Loans, even in a bad economy there's no relief from those.
If you are getting that much back, you should change your W4, so you don't give the IRS a interest free loan. It is your money to try and keep up-front.
AT tires...
Tax return? What's that?
I can make interest on my own money the rest of the year, instead of letting the IRS hold onto it for me and not make a cent.