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.

In addition to what the problem lays out, assume Sophia contributed $2,000 to her Roth 401(k) and $1,000 to her Traditional IRA. She also paid $456 in student loan interest this year. Assume the tax year is 2021. (You can use the 2020 tax tables if you wish, however.)

Estimate her taxable income, tax liability, and tax refund or tax owed.