I am an independent 22 yr old male college student who goes to school full-time. I also work two jobs and between them make over $20,000/yr. I have done this for the last year and a half. Now my question is, even though I have have extra money taken out of every paycheck, my state and federal withholdings are always very little. On a $700 paycheck state maybe $18 and Federal maybe $50. At the end of the year, I always have to pay in so much that it is very difficult to cover the bill. What can I do to avoid this situation?