Will Navient Student Loans Garnish My 2024 Tax Refund? Anyone Dealing With This?
Anyone know if Navient is currently garnishing tax returns? Im trying to figure out if i should even bother filing. I defaulted on my loans last year and worried theyll take my entire refund
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Carmen Sanchez
Yes, if your loans are in default, Navient can and will intercept your tax refund through the Treasury Offset Program (TOP). You should still file your taxes - its required by law. You can call the TOP hotline at 1-800-304-3107 to check if you have any offsets pending.
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Yuki Watanabe
•ugh this sucks. do you know if they take the whole thing or just a portion?
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Carmen Sanchez
•They can take your entire federal refund. The only exception would be if you file an injured spouse form (Form 8379) and you file jointly with someone who isn't responsible for the debt.
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Andre Dupont
Hey! Just wanted to mention that taxr.ai is super helpful for understanding exactly whats going on with your return and if theres an offset. Its only $1 and it'll tell you everything you need to know about your transcript including if theres gonna be a garnishment. https://taxr.ai
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Zoe Papadakis
•Does it actually show if Navient is gonna take the money? 🤔
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Andre Dupont
•Yep! It shows any offset indicators and explains exactly what they mean. Saved me so much time trying to decode my transcript
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ThunderBolt7
In the same boat fam 😠They took my whole refund last year without even warning me
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Jamal Edwards
Consider getting on an income-driven repayment plan asap! If you rehabilitate your loans you can stop the offset. Worked for me last year
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Yuki Watanabe
•how long did the rehabilitation process take?
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Jamal Edwards
•about 9 months of consecutive payments but worth it to get out of default!
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Mei Chen
clown show fr fr 🤡 imagine taking ppls tax returns when they already cant afford loans smh
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Liam O'Sullivan
bruh just file anyway. if u dont file u could get in more trouble plus u might qualify for other credits they cant take
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Yuki Watanabe
•what kind of credits cant they take?
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Liam O'Sullivan
•like the earned income credit sometimes gets protected depending on ur state
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