Your ignoring really important factors about why you're in this situation. Step 1, increase your tax withholding with your employer. Stepn2, work out a payment plan to pay this off. If you bought a house under 300k, your not in a hcol area. You're earning over 150k. You can pay off 20k in a few months time.

Be more honest with your situation, set out a budget, cut frivolous spending, pay the irs. Fix it so you're clear next year. It isn't going to be difficult for you.