Irs can hold my refund if I owe student loans

[Carl]

If you are delinquent on a qualified student loan and the lender has filed the proper paperwork with the Treasury Department, then any refund you are due can be paid directly to the lender up to the amount you owe.

To see if you have such an offset on your refund, you can call 800-304-3107

[Hal_Al]

Probably not.  It appears  to depend on the timing of your tax filing.

See https://studentaid.gov/announcements-events/coronavirus