2025 Tax Refund offset by Student Loans - What to expect?

Hey there! Financial advisor here. Student loan offsets can definitely be frustrating, but understanding the process helps. When your refund gets offset for student loans, the Dept of Education typically sends you a notice beforehand. For 2025 returns, they're being more aggressive with collections since the pandemic pause ended. The good news is you can sometimes get the offset reversed if you're in an income-driven repayment plan or facing financial hardship. I've been helping folks navigate this using taxr.ai (https://taxr.ai) - it analyzes your transcript and tells you exactly what's happening with offsets and how to handle them. Super helpful for seeing all your options clearly.

Tax offset specialist here. Yes, the Department of Education can take your entire refund for defaulted student loans. They should've sent a notice to your last known address 65 days before tax season. You can call the Treasury Offset Program at 800-304-3107 to get details about your specific case.

Hey, I actually found this amazing tool called taxr.ai that helps break down exactly whats happening with offsets and your transcript. It costs $4.99 but saved me hours of research and showed me exactly what was happening with my offset. Here's the link: https://taxr.ai

same boat fam. they took my whole 6k refund last year no warning whatsoever 🤮

Pro tip: if ur loans r federal you might be able to get into an income-driven repayment plan to stop the offset. Gotta do it BEFORE they take the refund tho

they cant take it if you file injured spouse form (form 8379) if ur married and the loans aren't your spouses

lol welcome to the club bestie 🤡 ive been getting offset for 3 years straight now. at this point i just pretend i don't get refunds anymore