u/Careful_Wrongdoer506

I know I’m an idiot. I was a 1099 employee in 2024 & think I made maybe around $90k that year & therefore had no taxes withheld. I did not file my taxes & now it is coming back to bite me.

I am going to grad school at the end of the month (total tuition around $100k) & need to file FAFSA 2026-2027 which requires the 2024 tax return. The grad program I am entering does qualify for the Grad Plus loans. Do I need to fill out the FAFSA 2026-2027 for these loans? Would I be better suited to take out private loans instead? Do I file my 2024 taxes now? I would likely owe a significant amount which I understand.

Please explain it all to me like I’m stupid because I am. Thanks