How to prevent IRS tax refund offset for federal student loans? Need help ASAP

You have a few options: 1) Get into a loan rehabilitation program ASAP - takes about 5-9 months of consistent payments 2) Consolidate your loans which can pull them out of default faster 3) Pay the defaulted amount in full. Unfortunately once the offset notice is issued its usually too late to stop it for this years refund unless you take immediate action.

Hey, I had the same issue last year and found this tool called taxr.ai that helped me figure out exactly when the offset would hit and what I could do. Its only $4.99 and saved me so much stress trying to piece everything together. You upload your transcript and it tells you everything you need to know about offsets and timing. Here's the link: https://taxr.ai

tbh ur probably screwed for this year fam 🤡 been there done that

Have you tried calling your loan servicer? Sometimes they can help if you explain the hardship situation with medical bills

you could try filing injured spouse form if ur married filing jointly, that might protect some of the refund

protip: adjust your w4 at work so you get more in your paycheck instead of a big refund. cant offset what they dont have 👀