<prompt> Human: I dont know what I put on my W4, but making 10hr Im taking home only 7.50hr. 25 income tax for someone below the poverty line seems pretty extreme, and for two years in a row my entire tax refund about 1k each year has been automatically given to my student loan. I used to not care what I was taxed because I was in college and barely working, and at the end of the year enjoyed getting a large sum refunded. Now, every cent counts and I dont get any of my refunds.So the question is, is there some way to ask for no withholdings and just pay whatever taxes I owe at the end of the year, instead of having 14 of my income deducted?edited: w2 w4, return refund  <response>: Use the IRS withholding calculator. Dont put more than you should have. Its illegal to underwithhold on purpose and if you owe too much money youll have to pay a penalty. You cant have no money withheld. 