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If you don't have the cash to cover your federal tax bill, and you aren't subject to the new higher rates, the IRS has made it easy to request an installment plan. Just complete Form 9465, indicating how much you propose to pay monthly and attach it to your return. You'll hear in about 30 days whether your request is accepted. If it is, expect a late-payment penalty of 0.5% monthly, plus 7% annual interest.


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