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The tax refund has become a big part of the income stream for many low-income Canadians. Many tax credits are distributed through the tax system. And it’s the least well-off who are eligible for a lot of those credits.

Low-income Canadians can get their tax returns prepared for free at the many free income tax clinics set up across the country during tax season. But because the clinics can’t give instant refunds, it can be a tough sell to have people wait a couple of weeks to get all their money.

“We try to tell them that they don’t need to pay $40 or $50 to get their taxes prepared, they can get it done here for free,” says Viji Naguleswaran, a community financial worker at St. Christopher House, which caters to lower-income residents in Toronto.

Still, it often comes down to personal circumstances. Are these people willing to give up some of that precious refund to get their hands on money now?

“The issue is cash flow,” says Rick Eagan, community development co-ordinator at St. Christopher House. “When you’re desperate, 15 days can make a big difference.”