Installment Agreement Request
Form 9465: Installment Agreement
The form to request monthly payments on your tax debt. For balances under $50,000, you can qualify for a streamlined agreement without detailed financial disclosure. Learn about setup fees, direct debit options, and how to get the lowest monthly payment.
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A specialist will review your case and outline your options — completely free.
Form 9465: Key IA Terms & Fees
| Feature | Details |
|---|---|
| Streamlined IA Threshold | Balance under $50,000 — no Form 433-A required. Over $50,000: limited financial disclosure or full 433-A/433-F required. |
| Maximum Term | 72 months (6 years) for most Installment Agreements — but must pay in full before CSED expires. |
| Setup Fee (Online) | $31 for online application (lowest fee), $107 for direct debit agreement, $178 for non-direct debit agreement. |
| Setup Fee (Low-Income) | Reduced to $43 for non-direct debit, or waived entirely. Qualify if income is at or below 250% of HHS poverty guidelines. |
| Direct Debit Benefit | Lower setup fee ($107 vs $178), lower monthly failure rate, automatic payments prevent default. |
| Default Triggers | Missing a payment, filing a future return with a balance due without paying it, or failing to provide updated financial info if requested. |
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