Prompting Me Narrative

As you can see from my SS#, I have been a diligent tax payer my entire working career.
In October 2013 I was laid off from a $65K annual salary position, I held for 7 years and by no fault of my own, the IndyCar race team went out of business. We lost our sponsorship. All in the same day, I took guardianship of my 14-yr. old niece. This may be verified in Danville, Indiana, Hendricks County Courthouse. My niece is Kirsten M Query.
She was a troubled teen, who need mental health assistants and online schooling. I solely paid for these things for her, while she was in my care. The job I took all while only be on unemployment for less than two months, I took an overall pay reduction of $25K annual. While still having a child, house payment, car payment, insurance, food, gas, credit card payments, etc.
I decided to cash out my 401K plan, so I could make ends meet and continue the best care I could for my niece. At the time of the withdraw on my 401K account, I did take the max amount of taxes out but did not realize I need to take more
Prompting me to seek advice from my employer’s legal service. This is when I found out you cannot file on tax debit. So, he advised me to file chapter 13. After several weeks of consideration, I do not want to do this. I would like to come some type of settlement with the IDR. The IRS has allowed me to pay online set up fee, and $25.00 a month, while taking my tax returns until paid in full, waiving my fee’s and late charges. That said, I would like to pay an online set up, if required and you can see from my budget, I have a small amount to allot for this budget line. Therefore, I not only would like to pay a budget friendly amount but I can add more onto my Indiana tax withdraws from my payroll check. This would increase my return amount paying down this tax