the second exception when it comes to getting a loan is if you owe the IRS money there's a couple of options here you can apply for a short-term or long-term IRS payment plan now I'll be honest that always makes me a little bit nervous because the IRS is pretty powerful and they can come in at any time and do a lot to your money if they have access to your checking account so there's a part of me that I kind of just want them out of my life so this is the second exception of when I would take out a loan is if I owed the IRS money I would go take out a personal loan for that pay the IRS off get them out of your life and then work with the personal loan that you have
