<prompt> Human: We owe 12k to state and federal taxes.Backstory: Our daughter graduated last year and is in her freshman year at college. The original plan was that her birth father was responsible for her college and living expenses, this has been in place since she was 6 years old. He does very well and had no problem agreeing to this when the divorce was settled back then . Come time for college we find out that he has not prepared at all for financing this. We decided that that we would do whatever it took to take care of this for her. We ended up having to cash out 401K, it was last chance for us. So we ended up with 29K with 20 withheld to cover the penalties, or so we thought. We had our taxes done today and now owe 12K and I have no clue how to handle this. I dont even know how we end up owing this much? Please help a couple of financially ignorant people...  <response>: Did you claim her as a dependent, as well as claiming her 1098-t? Have you tried working through any other calculators? 