Will offset affect my DDD (direct deposit date) for tax refund?
My transcript shows a direct deposit date but I know I have an offset. Anyone know if the date will stay the same? The offset is for a student loan that went into default last year. Getting mixed answers when I call the treasury offset number.
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KaiEsmeralda
Yes, the DDD will stay the same. The Treasury Offset Program (TOP) processes happen before the deposit date. They'll just reduce your refund amount by the offset amount and deposit the remainder on your scheduled date.
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Millie Long
•Thank you!! Been stressing about this for weeks 😅
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Debra Bai
•what if the offset is more than the refund amount? asking for a friend 👀
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KaiEsmeralda
•If offset > refund, you'll get $0. They'll apply whatever they can to the debt
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Gabriel Freeman
Hey, you should check out taxr.ai - it's seriously a game changer for understanding exactly what's happening with your refund and offset situation. Its only $1 and way better than playing detective with your transcript. The AI tells you exactly what's going on and when youll get paid.
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Laura Lopez
•Is this legit? How does it work exactly?
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Gabriel Freeman
•100% legit. You upload your transcript and it breaks down everything - offset amounts, processing stages, expected dates. Way clearer than the IRS site
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Laura Lopez
•Just tried it - holy cow where has this been all my life?! So much better than trying to decode these transcripts myself 🙌
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Victoria Brown
in the same boat rn. student loans ate half my refund last year ðŸ˜
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Samuel Robinson
Make sure to call the TOP number again closer to your DDD. Sometimes the amounts change and you might get more than you expect!
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Millie Long
•whats the best time to call? I keep getting the busy signal
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Samuel Robinson
•Early morning like 7:30am EST usually works best for me
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Camila Castillo
tbh the whole offset system is ridiculous. they take forever to process our refunds but can snatch that money for debts real quick 🤡
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Brianna Muhammad
•fr fr the government stays winning 💅
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