I thought my student loan had to be 270 days past due before they would offset

[cherg]

I am only 120 past due from my student loan. They sent it over to department of education. Why did they offset me. I thought it had to be 270 days past due??  Super bummed out.

[CarolynM · Accepted solution]

Yes, your student loans should be in default for 270 days before they are sent to the Department of Education and onto to the Department of Treasury for tax garnishment. 

This year one of the lenders started the process early.

I recommend you contact the Taxpayer Advocate at 1-877-777-4778 or visit www.irs.gov/advocate to see if you can recover some or all of your refund.

[cherg]

Thank you.