<p>OP, Glad you made a decision. I think you made the right one.</p>
<p>For anyone else reading this thread after the fact, no, that tax estimation did not work out for me. Last year I claimed one on my tax return, took standard deductions. 22% of my paycheck went to taxes every month when I got taxes taken auto. Last third of the year I switched to a fellowship that doesn’t take taxes out; I owed just a little over $2700 for $13,000 of fellowship money, which is 20.8%.</p>