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(TMZ)--Mary J. Blige's financial woes have QUADRUPLED -- on top of the $900k she allegedly owes the Garden State, TMZ has learned MJB has been slapped with a $3.4 MILLION bill from Uncle Sam.

 

The IRS filed a federal tax lien against the Grammy winner, claiming she failed to pay all her income taxes for the years 2009 ($574,907.30), 2010 ($2,203,743.53) and 2011 ($647,604.60).

 

Tax bill grand total: $3,426,255.43. 

 

Of course, the IRS needs to get in line ... the State of NJ says MJB still owes $901,769.65 in back taxes. Blige is being sued for allegedly defaulting on a $2.2 million bank loan and her charity is facing a lawsuit that claims it took out a $250k loan and never paid it back.

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