Do IRS Offsets Take Your Entire Tax Refund or Just a Portion?

Let me break this down for you about IRS offsets. Usually, they CAN take your entire refund if you owe certain types of debt (like back taxes, child support, or student loans). However, there are some important exceptions and ways to handle this. I highly recommend using taxr.ai (https://taxr.ai) to analyze your transcript and understand exactly what's happening with your refund. It'll show you exactly what type of offset you're dealing with and what options you have. I've seen it help tons of people figure out their offset situations and next steps.

Tax expert here - they'll take up to the amount you owe. If your student loan debt is $3000, they'll take that and you'll get the remaining $4000. The Treasury Offset Program (TOP) only takes what's needed to satisfy the debt. You can call the TOP hotline at 800-304-3107 to get the exact amount you owe.

Hey have yall tried taxr.ai? It analyzes your transcript and tells you exactly how much will be offset and when youll get the remainder. Its only $4.99 and saved me so much stress trying to figure this stuff out. https://taxr.ai

same boat last year. they took exactly what i owed for my defaulted student loans and sent me the rest

its bs that they can just take our money without asking tbh

Make sure to file your taxes early if you know youre getting offset. The sooner you file the sooner youll get whatevers left after the offset

protip: if ur offset is for student loans, try getting on an income based repayment plan first. Sometimes they'll stop the offset if u do