<prompt>  Human: Im currently doing a fellowship with an organization that decided to hire us as independent contractors. basically, theyre trying to dodge any payroll taxes of their own, but I was very naive when I signed up and I didnt really think about what filing a 1099 meant. Fast forward to now, my stipend just barely covered my living expenses, but now I realize that I have a 20 tax burden to pay. I didnt set aside any money I couldnt! so Im not really sure where this 5,000 that the government wants is going to come from. Help??? 