Just to add some additional information that might be helpful: if you're concerned about the offset amount, you can request an offset trace by calling the Treasury Offset Program at 1-800-304-3107. They can tell you exactly how much will be taken and for what debt. I was so frustrated when this happened to me last year! Also, if you filed jointly and the student loan belongs only to your spouse, you might qualify for injured spouse relief (Form 8379) which could protect your portion of the refund from the offset. It's too late for this year since you've already filed, but something to consider for next year.

I went through this exact situation last year with my spouse's old student loan debt. Here's what actually happened in my case: The IRS processed our joint refund of $5,200. Republic Bank got their $2,000 advance payment first, then Treasury Offset took $2,800 for the student loans, and I received the remaining $400 via direct deposit to the same account I originally specified when filing. One thing that really helped was setting up an account on studentaid.gov to see the exact offset amount ahead of time. The Treasury Offset Program also sent a notice about 30 days before they actually took the money, which gave me time to mentally prepare for how much I'd actually receive. The whole process took about 3 weeks from when my return was accepted to when I got the final deposit. Republic Bank was actually pretty transparent about the timeline when I called them directly - they have a specific department that handles these offset situations since they're so common with tax advances. Just hang in there - the system works, it's just nerve-wracking when you're waiting and don't know exactly what to expect!

call ur state tax office first thing in the morning. earlier u call = shorter wait times usually

Have you tried calling the Oklahoma Tax Commission at a different time of day? Sometimes calling right at 8am when they open or around 4pm before they close has shorter wait times. Also, make sure you have your SSN and exact refund amount ready - they'll ask for that to verify your identity before explaining any adjustments. The $100 difference could be from a math error they caught or missing documentation, but they should be able to tell you exactly what happened.

What does this mean because my 16 weeks up on June 2 that's what the irs told me

Rosa, if the IRS told you 16 weeks ending June 2nd, that sounds like you're dealing with a more complex review than the standard 570/971 codes discussed here. That timeframe suggests either an identity verification case, amended return processing, or earned income credit review. These longer reviews are completely separate from the typical 14-45 day holds we're tracking in this thread. I'd recommend calling back to confirm exactly which department is handling your case and what specific documentation they might need from you. The 16-week timeframe is their standard response for certain review types, but sometimes cases resolve earlier if you stay proactive about following up.

Has anyone looked into a life estate for this situation? My family did this - parents kept a life estate (right to live there until death) while we took remainder interest in the property. Gave us security knowing the house would transfer automatically while they maintained control during their lifetime.

Another option worth considering is a qualified personal residence trust (QPRT). My parents used this structure when they moved closer to us - they transferred their home to an irrevocable trust while retaining the right to live there for a specified term (we chose 10 years). The main advantages: it freezes the home's value for gift tax purposes at today's value, removes future appreciation from their estate, and if structured properly, can provide significant estate tax savings. After the term expires, the house passes to us as beneficiaries, but they can continue living there by paying fair market rent (which further reduces their taxable estate). The downside is it's irrevocable - once it's done, they can't change their minds. Also, if they don't survive the full term, the house goes back into their estate for tax purposes. But for parents in good health in their early 70s, the actuarial tables work in your favor. Definitely worth discussing with an estate planning attorney who specializes in these trusts.

Anybody using TurboTax for this kind of situation? I'm going through somthing similar and wondering if the software will walk me thru all this correctly?

I went through this exact situation when my father passed last year. The insurance companies are likely withholding taxes because they're being overly cautious or have automated systems that don't properly distinguish between different types of payouts. Here's what I learned: The 10% withholding is probably happening because the insurance company is treating this like a retirement account distribution rather than a life insurance death benefit. This is a common error, especially if the policies had any investment components or if there was a delay between death and payout that generated interest. My advice: Contact each insurance company directly and ask them to provide a detailed breakdown showing the death benefit amount versus any interest or earnings. Request corrected 1099 forms if they misclassified the payout. Most will cooperate once you point out the error. If they won't budge, you'll definitely get the money back when you file your taxes. Just make sure to report the withholding on your return - the IRS will credit you for taxes that shouldn't have been withheld in the first place. I ended up getting back about $8,500 in my refund from similar overwithholding.