<prompt> Human: Im 21 years old and live in SF bay area in California. Due to my lack of understanding of the tax system, I owe way more money from last year than I thought. I owe about 4,500. I make about 2,000 a month but have about half of that for living costs and am saving for college, which I will be moving to in the fall. I am having trouble working with them to set up an installation plan, and I know it will be more money overall. I need advice, ideas, experiences, anything really. Mostly just freaking out and have never dealt with anything like this in my life.  <response>: Call the IRS and set up a payment plan. Make a budget, that includes that payment to the IRS AND includes a proper amount of taxes for this year Do find out whether you can take out student loans to come up with the difference between what you need for college and what you can save up until college starts. A small student loan in exchange for being able to really start in September may be wortwhile youll be finished sooner and can then earn more money - at least I hope your college degree is going to get you a decent job?. 