The end of tax season is just weeks away. More than sixty-nine million taxpayers have already filed their returns for 2016 and more will do so by the April 18 deadline.

Most of these filers will also be getting a tax refund. So how do they plan to spend it?

One smart use of a tax refund is making an extra payment toward student loan debt. We recently conducted a survey to find out how many student loan borrowers plan to use their refunds to get their balance to $0 faster.

Among more than a thousand student loan borrowers surveyed who expect a tax refund for 2016, two out of five (39 percent) say they will use it to repay their student loans.

This includes 14 percent who say they plan to put their entire tax refund toward repaying student loans. An additional 25 percent plan to use at least some of their tax refund on student loan debt.

About eight out of 10 tax returns result in a refund. Additionally, the average tax refund for the 2016 fiscal year is $2,973 so far, according to the IRS. That’s a pretty decent windfall that can be put to good use by making an extra, lump sum payment toward student loans.

For example, if you apply that amount to a typical 2016 graduate’s $37,172 educational debt, it would shave a whole year off of their repayment period. And they would lower the amount of interest they pay over the life of a standard 10-year loan by $1,504.

If you’re planning to use your tax refund toward your student loans, use the calculator below to see how much you could save.

Some tax filers might also miss out on the opportunity to save on their taxes thanks to the student loan tax deduction. Around three-quarters (77 percent) of student loan borrowers surveyed said they know they can deduct their student loan interest.

But the other 23 percent who have student loans said they didn’t know that student loan interest is tax-deductible. The IRS allows filers to write off up to $2,500 in student loan interest.

Borrowers who are unaware of these potential savings and fail to claim their student loan interest on their tax returns could be missing out on up to $625 in tax savings.

Additionally, a third of this group (32 percent) is unaware of the student loan interest deduction despite filing with tax software or an app. These programs usually prompt users to deduct student loan interest, so it’s surprising they don’t know about it.

Wondering how much you’re likely to save by claiming the student loan interest deduction? The calculator below can give you an estimate.

The survey also asked student loan borrowers how they file their taxes. Filing using an online tax software or an app was the most popular method used by 45 percent of respondents.

An almost equal amount of filers, 41 percent, say they have someone else do their taxes for them. This includes six percent whose parents file for them.

But it also includes a third of filers who pay someone to prepare and file their tax returns. In fact, the second-most popular filing method overall is to hire a CPA or an accountant, which 22 percent do. Another 12 percent rely on H&R Block to file their returns.

The survey revealed that 94 percent of filers do not think it’s okay to lie when filing taxes. The other six percent say it could be okay.

When asked whether they have lied or “cheated” when filing taxes, 91 percent say “no.” Only three percent say they have lied on their returns. Another five percent aren’t sure whether they have or not.

Respondents were also asked if they thought certain kinds of lies would be acceptable on a tax return. They could choose as many of the following as they think are acceptable:

Respondents could also select “none of the above,” which respondents overwhelmingly did (89 percent).

However, leaving off income below $5,000 was the tax “cheat” respondents found most acceptable, with seven percent indicating they thought it was okay.

Overall, the survey results reveal that student loan borrowers are responsible tax filers. They are very unlikely to try to lie or cheat on their taxes. And if they get a refund, chances are they will put some of that cash toward student loan debt.

Survey Methodology: This survey was conducted as a Google Consumer Survey, run from March 11-14, 2017. It collected answers from 1,018 respondents who have student loans. The largest margin of error present in any survey response was 3.1 percent.