Actual Expenses v. IRS Standards

[Scoutitout]

My debt is roughly as follows:

26K in taxes (mix of federal and state)
30K consumer debt
40K student loans

I qualify for a Chapter 7 but that would leave me with no protection from the IRS and the State. Because I incurred new tax debt while in a repayment plan on another tax year, the IRS will not accept a new payment plan. I must at least attempt a chapter 13.

My concern is that I am above the median income level, but my actual expenses are substantially lower than the IRS standards I'm required to use. For example my rent and utilities are about $1900 a month but my county standard is $2542.

Will they take my actual expenses into consideration at all or will the simply say you are in the negative and can't fund the plan? I am offering roughly $500 a month for a total of $30K over 5 years.

If they plan is not appoved I will do a chapter 7, but then the IRS and state will garnish my wages. If that happens I'll be in serious trouble.

Also, what happens if you move to a different state amid a confirmed plan?

Thanks for any help.