I made a multiple of that amount. I thought that the good times would last. They didn't.

I am now a salaryman. The installment plan monthly amount due to my high cost location ends up being total after tax dollars minus rent and very frugal and basic living expenses. I could move to a cheaper location (which I am considering), but that doesn't seem to address the more immediate and core problem.

> The installment plan monthly amount due to my high cost location ends up being total after tax dollars minus rent and very frugal and basic living expenses

So what's the problem? You are highly in debt, and you worked out a payment plan that will have you pay off your debt in five years.

I'm inclined to agree with this comment. Saying "The IRS wants all my after-tax income" is a very different statement from "The IRS gave me a payment plan that allows me to pay an expensive rent and basic living expenses while also paying off my debt in five years". Living frugally and paying down debt might be uncomfortable, but it's not unusual and is fairly well understood. If you can move to a different area, you can allot more money for your living expenses.

I don't see your email, but see a link. Does your username@domain suffice? Thanks so much!

edit: I see it. Wow I am so stressed that I fail basic reading right now.