<prompt> Human: I have been studying for the past 5 years and not working. I Have not filed my taxes before and I am 23 Years old. I have been paying rent and paying tuition for the past 5 years so I am pretty sure there is money owed to me right? and I cant think of any reason why I would owe right? Someone please give me advice. What kind of papers do I need to round up? Who do I need to meet with to sort this out? Is there any hope for my cause? I feel so much anxiety about this.I had a structured annuity from my mothers life insurance that has been paying my bills through college. I dont think I owe money on the structured annuity payments I got through my college years.. but again Im clueless.Thank you for any help.Assistant: I have been studying for the past 5 years and not working.I have been studying for the past 5 years and not working.I have been paying rent and paying tuition for the past 5 yearsIf you havent been working, then you probably dont have a refund. Refunds are due when youve paid too much in taxes. Doesnt sound like youve paid anything in taxes.Over this 5 year period, have you ever worked? Do you have any W-2 forms or 1099 forms which show some sort of income? Basically before we can be of any help, what has been the source of your income for the last 5 years? Was it just the annuity? Student loans? A part-time job here and there?Also someone else will have to chime in about potential taxes owed on the annuities. I know there are immediate and deferred annuities, but I dont know how taxation works on those things.Human: No rental return? Or money for paying my own tuition? I must have misunderstood before. Thanks for your help.I havent worked, no paychecks. No student loansAssistant: Remember, its not just tax season, it is income tax season. If you dont have any income, youre not paying income tax. So you cant expect to get an income tax refund since youre not even paying income tax. Now, if you actually own a home and youre renting it out, then you should PROBABLY be declaring that somehow. Because that is income. But when you start your reply with No rental return? you might keep in mind that you havent even mentioned this before, and no one here knows if you dont tell them.Human: I pay rent for my apartment, same as my girlfriend, were roommates. She gets a return every yearI did mention my paying rent, I appreciate your help but not the snark so much.  <response>: I assure you there is no intended snark in my reply, not even in the slightest.I assumed you meant rental income. There is not typically a tax benefit for renters. There is none on a federal level, at least. Some states, like MA, have a sort of a tax-break if youre a renter. But thats a tax break, it helps bring you closer to 0 owed. 