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It wasn't that complicated. >> reporter: but then she realized because she had been furloughed from a previous job, she was due a bigger refund. >> i filed $1,050 through my amended tax return, and on paper, and i've heard nothing about it everything is showing as received. >> reporter: nine months later, lauren is still waiting for that refund. >> there are over 6 million individual returns that have not been processed. >> and that's from last year? >> correct. >> reporter: this year treasury department officials have a warning for taxpayers. prepare to be frustrated due to the pandemic, the ...

To process those paper returns. covid, with the social distancing restricting the employees in the building, it limits how many employees can work at one time. >> reporter: to avoid delays in getting your refund, experts advise file online. triple check for errors and choose direct deposit. and if you have to file a paper return -- >> the irs will work first in, first out. so the sooner you can get your return in, the sooner you are in the beginning of the process. >> reporter: if you do end up waiting for a refund, at least you'll collect some interest stephanie ruhle, nbc news. up next ton...

The IRS has processed 5.9% more returns at the end of the second week of March compared with a year ago.

Independents in some case -- >> as depend heents. >> a lot of folks still do it on paper? 30% are still filing paper returns. not only does that slow down their refund process but leaves more room for error. less than 1% error rate for e-filing versus 21% for filing snail mail. you're segts yourself up for potential trouble. i.r.s. knocking on your door. >> why do you have more mistakes when you do it yourself? >> goes back to the math, transferring stuff from one decimal to the next. missing stuff on your social. that could come back to haunt you. >> is there a website? you're always an exper...