reset firmware password

Loaded turbo tax into system in new standard account. Then only user name for new account would come up at boot. computer accepts password, gear starts, computer dies with only apple logo on gray screen. Tried start hot keys, got nothing. option key at start got network, which openred wi-fi with scanned nearby wi-fi connections even though I was not logged in. Tried firmware pass and it would not take it. Trying to reset firmware password. using option, apple, p, r on start three times; pulled ram chips, started, didn't hold down any keys, came back to new user dead apple account. Tried startup with option went back to firmware password imput screen. turbo tax put program in own drive, and boots to it only. Can I get computer to start up with other users bypassing firmware password?