<prompt> Human: For what its worth, Im a long-time and avid redditor, and follower of this sub. But Ive chosen to post this on a throwawayIm your classic dirt-poor, swimming-in-student-loans, without health insurance guy in my mid 20s. I was neglectful and foolish and let a few years slip by without doing my taxes. I dont need to be lectured on the stupidity of this, its been haunting me for years and now that Ive finally done them the amount I owe is staggering, and punishment enough.I owe more than 20k, between federal and state NY. This is an enormous, frightening sum of money for me...Ive been living on a very tight budget for years which is hardly enough as it is.Anyway, I figure I have to go speak with the IRS and sort this out, which Im prepared to do, but Id just love to hear if anyone has experience with this sort of thing. For example, Ive heard that sometimes theyll offer you a payment plan, what would that be like? Terms and such. Ive also heard that sometimes theyll significantly reduce the total number if you can pay it all in one lump-sum in which case I could probably sort it out with loans.And, is there a pretty good chance theyll just say fuck you, pay it all right now or you go to jail? What would actually happen? What should I expect when I go speak with them?And, I figure this only takes care of my federal taxes...where do I even go to do all this with state taxes?Thank you so much for any help. This is weighing very heavily on me, and I think a big part of that is the unknown. Any information or experience or anecdote helps!  <response>: I owed about 7k to the IRS and set up a monthly payment plan that fit my budget. IRS agents get a bad rap, but Ive found them to be very helpful. 