FAFSA delays affecting IRS tax return processing? 570 & 971 codes keeping my refund on hold
Super stressed right now! Filed my taxes through TurboTax first week of February (wanted to get FAFSA stuff done early) and my refund is STILL not here. Checked Where's My Refund and it shows processing. Called IRS and after 2 hours on hold, found out I have codes 570 (additional account action pending) and 971 (notice issued) on my transcript from March 5. The agent couldn't tell me anything specific. Our household income is around $72K, my husband and I both work W2 jobs and claim 0 allowances specifically to avoid any issues. We've used the same CPA for years with zero problems. I've literally triple-checked our 1040 line by line and found nothing wrong. The only thing different this year is we have a daughter starting college in Fall 2025 and submitted our FAFSA application right after taxes. I've heard the FAFSA processing system is super backed up this year - could this somehow be causing the IRS delay? Has anyone else with pending FAFSA apps experienced unusual tax return delays? I'm starting to get worried because we were counting on that refund for summer tuition deposits.
26 comments


Gabriel Freeman
Those codes are usually just random review flags. Probably has NOTHING to do with FAFSA tbh. The IRS and Dept of Education don't communicate that way. They both just verify your info separately.
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Debra Bai
•Thanks - that's somewhat reassuring. Have you personally seen these codes before? How long did your refund take after getting them?
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Gabriel Freeman
•Had the 570 code last year, took about 8 weeks total from filing to get my money. They never even sent me any letter explaining why, it just suddenly showed up in my account one day.
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Laura Lopez
I'm going through the EXACT same thing!!!! Filed Feb 3, got those same codes early March, still waiting!!! I also have a kid starting college this fall and submitted FAFSA right after filing. Something is definitely up with the connection between FAFSA and tax returns this year. My sister didn't apply for FAFSA and got her refund in 9 days.
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Victoria Brown
•Correlation isn't causation tho. The IRS is just really backed up this year. My friend got his refund in 4 days and he has 2 kids in college with FAFSA apps.
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Samuel Robinson
Tax specialist here. There is absolutely no connection between FAFSA applications and IRS processing delays. The 570/971 combo typically indicates one of several things: 1. Random review selection (most common) 2. Income verification against W-2/1099 records 3. Credits claimed that triggered additional review 4. Math error corrections The IRS is severely understaffed this year, and certain review categories are taking 8-12 weeks rather than the usual 3-4. There is no need to panic, but unfortunately nothing will speed up the process except waiting.
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Debra Bai
•Thank you for the clear explanation. We didn't claim any unusual credits - just standard deduction, child tax credit, and mortgage interest. Is there any benefit to calling them again or just wait it out?
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Samuel Robinson
•Calling again won't help and may actually waste your time. The front-line agents don't have access to the specific details of why your return was flagged, and the specialized agents who do have that access don't take calls directly. Your return isn't lost - it's just in a processing queue. If anything was seriously wrong, you would have received specific correspondence by now.
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Camila Castillo
I worked with someone who had this exact situation last month - filed in February, got the 570/971 codes, and it was driving them crazy because they needed the money for college expenses. They tried calling the IRS multiple times but kept getting disconnected or waiting hours without speaking to anyone. They finally used Claimyr.com which got them through to an IRS agent in about 20 minutes. The agent was able to tell them their refund was just delayed due to random review and would be processed within two weeks. You might want to check their video demo at https://youtu.be/TbC8dZQWYNQ to see how it works. Saved them literally days of frustration.
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Debra Bai
•I've never heard of this service - does it actually work? I've wasted so many hours on hold already.
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Camila Castillo
•Yes, it worked for my colleague. They said it was worth it just to get a clear answer instead of stressing about it. The IRS agent gave them a specific timeline which turned out to be accurate - refund came 10 days later.
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Brianna Muhammad
the IRS is a JOKE!!!!!! i'm 99% sure they deliberately delay refunds to people who need them the most. had same codes last year and waited 4 MONTHS for my $3200 refund. meanwhile my rich uncle who OWES taxes every year gets processed instantly. the system is designed to punish working families.
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JaylinCharles
•While I understand your frustration, the IRS selection process is actually automated and based on statistical models, not income levels. Returns with refunds do get more scrutiny because of fraud prevention, but that's because tax thieves target refunds, not because the IRS is targeting working families.
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Victoria Brown
have u checked your transcript again recently?? sometimes the codes update with new dates but the wheres my refund tool stays the same. i had my 570 code date change twice before i got my $$$
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Debra Bai
•That's a good suggestion - I just checked and the dates haven't changed. Still shows March 5 for both codes with no update. Should I be checking the transcript daily?
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Victoria Brown
•nah weekly is enough. they usually only update the system on fridays anyway
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JaylinCharles
This is completely normal for 2025-2026 FAFSA applicants this year. The Department of Education's new system has caused major delays in processing, and while they don't directly interact with IRS systems during filing season, there is an increased verification process happening behind the scenes. For families with dependent students filing FAFSAs, approximately 18-22% are being selected for random income verification this cycle, compared to the usual 8-10% in prior years. This is likely triggering additional IRS review flags, which appear as the 570/971 combination on transcripts. The good news is that these delays rarely result in any actual adjustments to your tax return or FAFSA eligibility. Based on the timeline you described, you should see movement within the next 2-3 weeks. If you need your Student Aid Index (SAI) calculation for your daughter's college decisions, contact the financial aid offices directly - most are aware of these delays and have provisional award processes in place.
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Samuel Robinson
•I respectfully disagree with parts of this assessment. While FAFSA processing is indeed experiencing unprecedented delays this year, the IRS verification process is separate and not tied to FAFSA application timing. The increased verification percentage for 2025-2026 FAFSA applications happens after returns are processed, not during the initial IRS review. The 570/971 codes appear on many returns regardless of FAFSA status.
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JaylinCharles
•You're partially correct - the formal FAFSA verification process is indeed separate and happens later. However, the Department of Education and IRS did implement an enhanced data-sharing agreement this year that included real-time flags for returns that will likely be selected for verification. This is part of the FUTURE Act implementation that began phasing in last October. I've seen this pattern repeatedly in my financial aid office this spring.
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Laura Lopez
UPDATE: My refund showed up today!!!! Exactly 11 weeks after filing. No letter, no explanation, just suddenly there. So there's hope for you too @OP!
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Debra Bai
•That's amazing news! Congrats! Did your transcript update before the deposit or did the money just appear?
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Laura Lopez
•My transcript updated Friday with code 846 (refund issued), and the money was in my account Tuesday morning. So there was about a 4 day gap between transcript update and money actually appearing.
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Samuel Robinson
Quick tip that might help others: For anyone dealing with these delays and needing to make college financial decisions, contact your school's financial aid office directly. Many colleges have implemented provisional aid award processes specifically to deal with the FAFSA processing backlog this year. They can often use estimated SAI calculations based on tax return copies you provide directly to them while waiting for official FAFSA processing. This won't help with the tax refund delay, but it can at least keep your college financial planning on track.
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Debra Bai
•This is really helpful - we've been worried about missing tuition deposit deadlines while waiting for the official aid package. I'll contact the financial aid office tomorrow!
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Gabriel Freeman
My friend works at the IRS (not supposed to tell me this stuff but whatever) and she says they're prioritizing processing people who OWE money first, then doing refunds after. So if you're getting a refund, you're automatically at the back of the line. Has nothing to do with FAFSA - just how they maximize revenue collection.
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JaylinCharles
•This is incorrect. The IRS processing queues are primarily organized by filing method (electronic vs. paper), then by filing date, then by complexity factors. There is no systematic prioritization of returns with balances due over returns with refunds. What is true is that returns claiming certain credits like EITC or Additional Child Tax Credit face mandated review periods, which can delay processing.
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