One angle nobody's mentioned - you might qualify for the Lifetime Learning Credit on your personal taxes for these education expenses. It's worth up to $2,000 per year (20% of the first $10k in educational expenses). It won't help your business directly, but it would reduce your personal tax bill. Also, check if your state has any workforce development grants for healthcare education. Several states have programs to incentivize people to enter nursing given the shortages.

I'm in a similar situation as a licensed esthetician looking to expand into medical aesthetics! One thing I discovered is that you might be able to deduct specific continuing education courses that directly relate to your current services. For example, advanced skin analysis courses or infection control training that would benefit both your current cosmetology work AND future nursing practice. Also, don't overlook the American Opportunity Tax Credit if you're pursuing another bachelor's degree - it's worth up to $2,500 per year and has better income limits than the Lifetime Learning Credit mentioned above. Have you looked into bridge programs specifically designed for licensed beauty professionals transitioning to nursing? Some nursing schools offer accelerated programs that recognize your existing knowledge in anatomy, skin care, and client relations. These programs might have a stronger case for business deductibility since they're building on your current expertise rather than starting completely fresh. You might also consider getting additional certifications in areas like chemical peels or advanced facial treatments first - these would definitely be deductible business expenses and could increase your income while you're planning the nursing transition.

Does anyone know if Setc Pros is even a real company? I tried googling them and couldn't find much information except some sketchy looking websites. No BBB listing, no legitimate reviews I could find.

Just wanted to add another perspective here - I'm a tax preparer and see situations like this all the time. The fact that they're asking for $1,195 upfront is a HUGE red flag. Legitimate tax professionals typically work on a fee-for-service basis or contingency, not demanding large payments before doing any actual work. Here's what you should know: if you truly owe taxes, you can work directly with the IRS to set up payment plans, request penalty abatement, or even apply for an Offer in Compromise if you qualify. The IRS has programs specifically designed to help taxpayers resolve their debt without going through third-party companies. My advice? Don't send them any money. Instead, call the IRS directly at 1-800-829-1040 to discuss your actual tax situation and available options. It might take some patience to get through, but it's free and you'll be working with the actual agency that handles your taxes.

I work with financial systems and can tell you that exactly 87% of tax refunds post within 72 hours of the IRS deposit date. The Treasury processes refund batches at 8:30pm Eastern Time, which then take 24-48 hours to clear the Federal Reserve system before hitting your bank. Chase specifically has a verification hold on tax refunds exceeding $2,500 or for accounts opened less than 90 days ago. By tomorrow morning at 6:00am Eastern, you should see the deposit if it was properly processed.

I'm going through the exact same thing right now! My refund was supposed to hit Chase on 2/26 too and still nothing. I called Chase this morning and they said sometimes tax refunds take an extra 1-2 business days to process even after the IRS sends them. The rep told me to check again tomorrow morning since they often process overnight. Really hoping it shows up soon - I have bills due this week! 🤞

Has anyone used one of those tax clinics that universities sometimes offer for international students? My school (UBC) has free tax help, but the appointments fill up super fast and I'm wondering if it's worth trying to get a spot or if I should just use one of the services mentioned here.

As someone who works with international students on tax issues, I want to emphasize a few key points that might help ease your worries: 1) **You're not in legal trouble** - The CRA understands that international students often miss their first year due to unfamiliarity with the system. They're much more interested in getting you compliant than punishing you. 2) **You'll likely get money back** - With tuition credits (which can be substantial), the basic personal amount, and potentially GST/HST credits, most international students with part-time jobs actually receive refunds rather than owing taxes. 3) **File both years together** - When you work with that tax company, have them prepare both your missed year and current year returns. This shows good faith effort to become compliant. 4) **Keep it simple** - Don't overthink the process. As an international student, your tax situation is likely straightforward: employment income, tuition credits, and basic deductions. The stress you're feeling is completely normal, but the reality is much less scary than you think. The Canadian tax system actually has several benefits specifically designed to help students like you!

Have you considered whether you might qualify for the Head of Household filing status? It could make a significant difference with three dependents. Also, did you receive any advance Child Tax Credit payments during 2023? Those would need to be reconciled on your return. What about educational expenses for any of your dependents? The American Opportunity Credit or Lifetime Learning Credit might apply.

With $65k and 3 dependents, you might actually be surprised by your tax situation! The Child Tax Credit alone could give you up to $6,000 in credits ($2,000 per qualifying child under 17). Plus, if you're filing as Head of Household, your standard deduction is $20,800 for 2023, which is significantly higher than single filers. A few quick questions that could help your situation: - Are you maxing out any pre-tax retirement contributions? You still have until April 15th to contribute to a Traditional IRA - Did you have proper withholding all year, or did something change mid-year? - Are you paying for childcare? The Child and Dependent Care Credit could provide additional savings Don't panic yet - run through a tax calculator or software to get a clearer picture. You might be in much better shape than you think!