How can I use local assisted filing programs to get help with a simple return without paying much?

If your return is simple, the cheapest way to get help is often a local free or low-cost assisted filing program rather than a traditional tax preparer. Here are the best options and how to use them:

1) Check IRS Free File and VITA first

These are usually the lowest-cost choices.

IRS Free File

• Good if your income is within the program limits.
• Lets you file online for free through partner software.
• Best if you’re comfortable using a computer and just need guided help.

VITA (Volunteer Income Tax Assistance)

• Free in-person help from IRS-certified volunteers.
• Usually available for:
  • People with low to moderate income
  • People with disabilities
  • Taxpayers with limited English proficiency
• Best for simple returns with W-2s, basic credits, and standard deductions.

TCE (Tax Counseling for the Elderly)

• Free tax help, generally focused on taxpayers age 60+.
• Especially useful for retirement-related questions.

2) Look for local community programs

These are often run by:

• Libraries
• Community centers
• Nonprofits
• Colleges or law schools
• City/county taxpayer assistance offices

Search terms to use:

• “free tax help near me”
• “VITA site near me”
• “IRS free tax preparation [your city]”
• “low-cost tax preparation nonprofit [your city]”

3) Ask what “assisted filing” includes

Before you go, ask:

• Is the service free or is there a small fee?
• Will someone review my return before filing?
• Do they file electronically?
• Do they handle state returns?
• What documents should I bring?

For a simple return, you usually want help with:

• Entering W-2s
• Choosing standard deduction vs. itemizing
• Basic credits like Child Tax Credit or Earned Income Tax Credit, if applicable
• Filing state return if needed

4) Bring the right documents

To avoid extra appointments, bring:

• Photo ID
• Social Security cards or ITINs for everyone on the return
• W-2s
• 1099 forms
• Health insurance forms, if relevant
• Bank routing/account numbers for direct deposit
• Last year’s return, if you have it
• Any letters from the IRS or state tax agency

5) Avoid expensive “refund advance” or “loan” offers

At low-cost filing sites, be careful about add-ons such as:

• Refund anticipation loans
• “Rapid” refunds
• Paid audit protection
• Optional fees for direct deposit or refund checks

These can make a “cheap” return much more expensive.

6) Use paid help only if needed

If your return is still simple but you want a professional, consider:

• A local independent preparer with a flat fee
• A CPA or enrolled agent who offers a basic-return package
• Community tax clinics with sliding-scale fees

Ask for the price up front and confirm it includes:

• Federal return
• State return
• E-filing
• A review of your documents

7) If you want, I can help you find the best option

If you tell me:

• Your country/state
• Your age range
• Whether your income is low/moderate
• Whether you have just W-2s or also 1099s/self-employment income

…I can suggest the most likely free or low-cost filing options for your situation.