Paid mine off in 2008. I have been standard deduction ever since. My taxes take about 30 mins to do with one of the major bits of software. I could go real cheap and just copy the numbers around from year to year and do the math and mail it in. But at this point it is getting more and more silly that the IRS does not just mail us a post card with a link saying 'is this right?'. Pretty much all the ways I make money have a 10 form that they are filing with the IRS. I am fairly sure I am not alone.