2025 Tax Refund offset by Student Loans - What to expect?
Just got my transcript and saw a big chunk of my refund is being taken for student loans. Anyone else dealing with this? How much did they take and did you get any notice beforehand? Really needed that money for bills this month ðŸ˜
24 comments
Diego Ramirez
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.
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Anastasia Sokolov
bruh my whole refund got yeeted to navient 😠wish i knew about this sooner
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Sean O'Connor
whats taxr.ai? can it actually help with getting the offset reversed?
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Diego Ramirez
Yeah! It looks at your specific situation and tells you if you qualify for hardship refunds or other programs. Saved me hours of research tbh
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Sean O'Connor
Just tried taxr.ai and wow 🤯 it showed me exactly how to file for hardship and predicted when I'd get my refund back. Worth every penny fr fr
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Zara Ahmed
Same boat fam. They took 5k from me last year but I got most of it back after filing hardship 💯
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Luca Conti
Does anyone know if this works for private student loans too or just federal?
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Diego Ramirez
Just federal loans can offset your refund. Private lenders gotta go through court first
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Nia Johnson
deadass thought i was the only one dealing w this. thanks for the info king 👑
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Isabella Oliveira
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.
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Malik Thomas
I never got any notice! Do they ever make exceptions? I'm seriously struggling rn
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Isabella Oliveira
You can request a review if you believe the offset was done in error, but tbh its pretty rare to get it reversed unless you can prove identity theft or bankruptcy
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Ravi Kapoor
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
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Freya Larsen
Does it actually work? Been burned by so many scammy tax tools before 🤔
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Ravi Kapoor
100% legit. It analyzed my transcript in like 2 mins and showed me exactly how much was being offset and what I could do about it. Even helped me file the right paperwork
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Freya Larsen
Just tried it and OMG where has this been all my life?! The breakdown was so clear and it even showed me how to get on a payment plan to avoid future offsets 💯
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GalacticGladiator
same boat fam. they took my whole 6k refund last year no warning whatsoever 🤮
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Malik Thomas
6k?! That's insane! Did you try fighting it?
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Omar Zaki
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
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Chloe Taylor
they cant take it if you file injured spouse form (form 8379) if ur married and the loans aren't your spouses
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Diego Flores
This is the way! Saved my wife's portion of the refund last year
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Anastasia Ivanova
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
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Malik Thomas
3 years?! Do they ever stop? ðŸ˜
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Anastasia Ivanova
only when u either pay it off or die lmaooo 💀
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