You can still qualify for Fresh Start relief even owing more than $50,000. The $50,000 threshold applies to streamlined installment agreements, but you have other options. You might make a partial payment to reduce your balance below $50,000, qualifying you for the streamlined process. Or you can apply for regular installment agreements or Offers in Compromise regardless of the amount owed. The IRS evaluates larger debts based on your ability to pay, not just the amount. If your financial situation shows you’ll never pay $75,000 or $100,000, they’re often willing to accept much less through an Offer in Compromise.