{"id":29816,"date":"2017-06-14T12:00:00","date_gmt":"2017-06-14T12:00:00","guid":{"rendered":"https:\/\/www.hrblock.com\/tax-center\/"},"modified":"2018-06-20T11:21:47","modified_gmt":"2018-06-20T16:21:47","slug":"set-up-an-irs-payment-plan-2","status":"publish","type":"post","link":"https:\/\/www.hrblock.com\/tax-center\/irs\/refunds-and-payments\/set-up-an-irs-payment-plan-2\/","title":{"rendered":"I have a balance due on my return and can&#8217;t pay it. Can I set up an IRS payment plan?"},"content":{"rendered":"<p>To set up a tax payment plan or tax payment installment agreement is among the more costly options to pay your balance due. You might want to consider other less expensive options, including:<\/p>\n<ul>\n<li>Pay by credit card.<\/li>\n<li>Borrow from your 401(k).<\/li>\n<li>Take out a personal loan.<\/li>\n<li>File for a short-term extension &#8212; up to 120 days. This option has:\n<ul>\n<li>No fee<\/li>\n<li>Penalty of 0.5% per month on unpaid balance<\/li>\n<li>Interest of short-term federal rate plus 3% (interest might change each quarter)<\/li>\n<\/ul>\n<\/li>\n<li>Complete IRS Form 1127: Application for Extension of Time for Payment of Tax Due to Undue Hardship.<\/li>\n<\/ul>\n<p>If you want to request an installment agreement:<\/p>\n<ul>\n<li>Request an installment agreement with one of these:\n<ul>\n<li>Online payment agreement (OPA)<\/li>\n<li>Form 9465 &#8212; If your liability is more than $50,000, you\u2019ll need to file Form 9465 instead of using the online agreement. You must agree to pay the full amount within three to five years.<\/li>\n<\/ul>\n<\/li>\n<li>Pay an application fee of $120 ($52 if you make your payments by direct debit). You might qualify to pay a reduced fee of $43 if your income is below a certain level.<\/li>\n<\/ul>\n<p><a href=\"https:\/\/www.hrblock.com\/tax-center\/irs\/audits-and-tax-notices\/bill-for-unpaid-taxes\/\">Learn all the steps to take if you can&#8217;t pay your taxes<\/a>.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>To set up a tax payment plan or tax payment installment agreement is among the more costly options to pay your balance due. You might want to consider other less expensive options, including: Pay by credit card. Borrow from your 401(k). Take out a personal loan. File for a short-term extension &#8212; up to 120 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[25,52],"tags":[],"class_list":["post-29816","post","type-post","status-publish","format-standard","hentry","category-irs","category-refunds-and-payments"],"acf":[],"yoast_head":"<title>Set Up An IRS Payment Plan | H&amp;R Block<\/title>\n<meta name=\"description\" content=\"If you have a tax balance that you can&#039;t pay right away, consider your payment options with us. 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