<prompt> Human: Sorry if this is scrambled, my brain is going in 200 directions right now. Backstory:In 2013-2014 I was working part time as a dog washer through college. My employer had me listed an an independent contractor so I received a 1099-MISC form instead of a traditional W2. At the time, i didnt know any better. Each year I made roughly 10k. I was told by the employer that their CPA advised since I made under the minium filling requirements that I just shouldnt file. Okay. Done. Never thought of it again. That brings me to today:I am in the process of buying my first home I make roughly 23k a year. I needed one form from the IRS saying I didnt file those years. The IRS then informed me i was in fact supposed to file taxes those years and i had until August to do so. My question: Whats the LEAST painful way to handle this situation money wise? I had all my extra income going to pay down my student loan debt and house renovations. Everything ive seen says 1099 employees need to be taxed at 15, which I dont have laying around especially for 2 years. Right now I have a credit card with a 0 balance, should i bite the bullet and put it all on my credit card? Any help would be greatly appreciated!  <response>: Assuming your only income for both years was 10,000 and you were self employed, you were single and eligible to claim your personal exemption, and you had no Ordinary and Necessary business expenses, the self employment tax liability for each year will be 1,413.00. You may not owe any income tax for either year.Each tax year will be subject to the Failure To File FTF penalty, Failure To Pay FTP penalty, the Underpayment of Estimated Tax Penalty possibly and interest.Take your income documents and any records of your expenses to a trusted tax professional and prepare and file the returns as soon as possible. If you are able, pay the tax due for each year in full when you mail both returns. You will receive a notice for each tax year about eight weeks later with the assessments of penalties and interest. Full pay those balance due amounts, and you are done.You may also have state and local filing requirements. 