Allow families to file for a loan based on previous tax refunds. This money is then paid back using future refunds. This plan will inject much needed money into the economy which in turn will put people back to work. Other plans have failed since they rely on businesses taking the money and creating jobs. If people are not buying it solves nothing.
By taking a three or five year total of refunds, it allows the people to pay off debt, purchase vehicles, or just feel some relief. They then repay the loan by applying future refunds.
Problem solved. People purchase, manufacturers manufacture, autos get purchased, people get higher education, and jobs created. This cost the taxpayers nothing as refunds remain fairly constant when people are working.