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Does the irs ALWAYS take your whole refund due to an offset from a student loan?

so if i have a federal refund of $5k and I get a letter that I am going to be getting a state DOR offset for the amount that I owe (i am currently making payments on but they say the offset will still happen) which is only $1,500 then do they only take that amount that is owed (and that would mean no more monthly payments i assume) or will they take all of it and say tough luck?

Does the irs ALWAYS take your whole refund due to an offset from a student loan?

If they take enough to finish paying off the debt in full  then your payments will no longer be needed and the rest of the federal refund will be released to you ... this can take several weeks to process.  

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