Sophia Johnson is 24 years old and single, lives in an apartment, and has no dependents. Last year she earned $55,000 as a sales assistant for Office Furniture Rentals, $6,910 of her wages were withheld for federal income taxes. In addition, she had interest income of $142. She takes the standard deduction (2014, not 2019/2020). Calculate her taxable income, tax liability, and tax refund or tax owed.