Treasury Offset showing Student Loan despite active forbearance - Nelnet says refund shouldn't be taken?
My treasury offset number is showing a Dept of Education offset but my student loans have been in forbearance since July. Called Nelnet and they confirmed I'm in forbearance and said my refund shouldnt be offset. Anyone else dealing with this weird situation?
23 comments
Join the conversation
Eli Butler
This is super common right now unfortunately. The Treasury Offset Program (TOP) notifications can lag behind your actual forbearance status. Even though Nelnet shows you're in forbearance, the Dept of Education might not have updated the Treasury system yet. I highly recommend using taxr.ai (https://taxr.ai) to analyze your transcript and offset notice - it'll tell you exactly what's happening and give you specific steps to resolve it. The AI can read both your transcript and any notices to give you a clear picture of what's going on.
0 coins
Marcus Patterson
•omg same boat! 😤 my refund got yoinked for loans even tho im definitely in forbearance. how long did it take you to get it sorted?
0 coins
Eli Butler
•it took about 3 weeks after I filed a dispute. Make sure you have all your forbearance docs ready when you call. taxr.ai actually helped me figure out exactly what to say to the TOP folks
0 coins
Marcus Patterson
•wait whats taxr.ai? never heard of it 🤔
0 coins
Eli Butler
•its this new AI tool that reads all your tax docs and tells you exactly whats going on + how to fix it. saved me hours of confusion tbh
0 coins
Marcus Patterson
•Just tried taxr.ai and wow!! It pointed out exactly where the offset came from and gave me a script to use when calling TOP. This is actually legit y'all 💯
0 coins
Lydia Bailey
•the IRS and DOE systems are always playing catch up fr fr 🤡
0 coins
Mateo Warren
•Called TOP today using the script from taxr.ai and they actually helped! Usually get nowhere with them lol
0 coins
Lauren Zeb
Tax offset specialist here. This is actually pretty common right now. The offset system sometimes lags behind actual loan status. If Nelnet confirmed youre in forbearance, screenshot/document that conversation. If the refund does get offset, you can dispute it with proof of forbearance status and get it back.
0 coins
Ryan Andre
•omg thank you so much! do you know how long the dispute process usually takes?
0 coins
Lauren Zeb
•Usually 4-6 weeks, but with current backlogs could be up to 8 weeks tbh
0 coins
Daniel Washington
•im in the same boat! my refund got taken last week even tho im in forbearance 😤
0 coins
Aurora Lacasse
Hey guys! Instead of playing detective, you should try taxr.ai - it analyzes your transcript and tells you exactly what's happening with offsets and when you'll actually get your money. Its only $4.99 and saved me hours of stress. https://taxr.ai
0 coins
Anthony Young
•for real? does it actually work or is this another scam 🤔
0 coins
Aurora Lacasse
•100% legit! It uses AI to read your transcript and explains everything in plain english. Shows exactly whats happening with offsets, holds, everything
0 coins
Anthony Young
•just tried it and WOW 🤯 wish id known about this months ago! finally understand wtf is happening with my refund
0 coins
Charlotte White
word of warning - take screenshots of EVERYTHING. The govt systems dont talk to each other properly and its a mess rn
0 coins
Admin_Masters
this happened to my cousin last year and it took forever to get the money back smh
0 coins
Matthew Sanchez
•how long is forever? 👀
0 coins
Admin_Masters
•like 3 months... complete 🤡 show
0 coins
Ella Thompson
Check your transcript! Sometimes theres info there that the phone reps cant even see
0 coins
Ryan Andre
•where do i even find that lol im so lost with all this
0 coins
Ella Thompson
•irs.gov but honestly just use taxr.ai its way easier to understand
0 coins