I need my tax refund now. I needed it yesterday. I have plenty of bills, including paying for tax pros.

That’s the attitude of many taxpayers who will receive a refund this year, for an average amount of $2,853. That is about 1 percent higher than last year, say officials of H&R Block.

That amount is “probably more than you should be getting back,” according to Jeffrey Feldman, an adviser in Rochester, NY. “After all, this amounts to an interest-free loan that you’re giving to the government.” Feldman adds that generally taxpayers shouldn’t “loan” the government more than $1,500 a year.

About six in 10 filers expect to see a refund, the IRS says.

Most “will use it to cover financial obligations. Thirty seven percent will use it to pay off debt and 20 percent will spend it on necessities,” according to a new Allstate/National Journal Heartland Monitor poll.

“Those with the highest expectations to receive a tax refund are women and men ages 18-49, at 65 percent,” according to the poll. “In addition, 68 percent of parents with school-age children expect a refund.”

When can one expect to see the check in the mail (or the direct deposit)?

“Refunds are generally issued within 21 days after a tax return has been sent,” according to the IRS.

They will also need more money to pay for professionals to help them with a complex tax code that now includes an ObamaCare checkoff. The code is hurting almost everyone, say officials behind an annual study of the tax code.

“The economy lost $233.8 billion due to 6.1 billion hours of lost productivity (an estimated value of $202.1 billion) and $31.7 billion in out-of-pocket costs spent complying,” according to the National Taxpayers Union Foundation.

“This year’s study,” said NTUF policy analyst Michael Tasselmyer, “gives an indication of future challenges, revealing the additional complications the Affordable Care Act will add to the tax code and filing.”