GREENSBORO, N.C. — Tax season means a refund for many of us, but not all of us. But Consumer Reports has some options to help you. 

First, don't panic. If you used a do-it-yourself tax service, you can always get a second opinion from someone else. And remember, you have some time. Tax day isn't until April 15th.

So how do you pay? Let's talk about how you shouldn't pay. Don't take it from a retirement or IRA fund. You'll have to pay a penalty next year, further complicating your situation.

Take it from your savings if you can, or use a credit card with a zero-percent intro offer. You can use one you already have, just be aware there are processing fees.

You can also apply for a payment extension and be set up for payment in 120 days. The IRS charges a monthly fee of .5% of the amount owed. 

The most important thing is to talk to the IRS if you owe them money. Communication will always help.