If you find yourself unable to afford a payment plan in the IRS Fresh Start Program, don’t despair; several alternatives can help manage your tax debt. One is an Offer in Compromise (OIC) that lets you settle your tax debt for a lesser amount considering your income, expenses, assets, and future earning potential Tax software could aid in calculating your eligibility for an OIC. If financial hardship is severe, you could qualify for Currently Non-Collectible (CNC) status, temporarily suspending IRS collection activities Engaging tax professionals or tax resolution services can also be beneficial; they can assess your circumstances, suggest suitable options, and help negotiate with the IRS. Finally, it’s possible to request adjustments to an Installment Agreement if it’s unaffordable, which could entail reducing monthly payments or lengthening the payment term.