While you certainly should make payments 4x yearly, and I do, the reality is they just penalize you (10%, IIRC). I've never heard of it being prosecuted as "ta

While you certainly should make payments 4x yearly, and I do, the reality is they just penalize you (10%, IIRC). I've never heard of it being prosecuted as "tax evasion". But, unless your interest is >10%, probably actually costing you money compared to making 4x payments per year. IANAL (or accountant).