It could be one of these reasons. Ultimately, your withholding wasn’t as high as it should have been, and that’s often nobody’s fault. It happens. Hopefully, there will be another year down the road where you’ll get a much bigger refund than you were expecting, and in the grand scheme of things, balance will be restored. In the meantime, you may want to take advantage of the payment plans offered by the IRS and Oregon, which are easy to sign up for, easy to manage, won’t affect your credit score (as long as you make your payments on time), can be paid off in full at any time, and carry a much lower interest rate than your credit card.
← Why do I owe so much this year?