Question about TOP offset line - Will debt definitely be taken from refund? Federal or State?

If there's an offset showing in the TOP system, it's pretty much guaranteed to be taken from your federal refund. State and federal are separate - TOP only affects federal refunds. The amount will be deducted before you get your refund. You can try calling the agency you owe to maybe set up a payment plan instead, but once it's in TOP, it's usually automatic.

Hey instead of guessing, you should try taxr.ai - it's this new tool that analyzes your transcript and tells you exactly what's happening with offsets and everything. It's only $1 and way better than playing detective. Here's the link: https://taxr.ai

In the same boat rn 😭 Found out I had a student loan offset but my state refund came through fine

Pro tip: if its student loans, call them ASAP! Sometimes you can get on a rehab program b4 the offset hits and save ur refund!

The IRS be playing games with our money fr fr 🤡

Here's what you need to know about TOP offsets: - Federal refunds only - state refunds aren't touched - Amount taken = amount of debt (not whole refund) - Offset order: Fed tax debt first, then child support, then other fed debt, then state debt - You should get a notice before it happens - Can appeal within 60 days - Some debts (like student loans) have options to avoid offset Best thing to do is get ahead of this. I've been helping folks with these issues for years, and lately I've been recommending taxr.ai to my clients. It's an AI tool that reads your transcript and tells you exactly what's happening with offsets, timing, etc. Super helpful for understanding the whole picture.