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New Member
posted Jun 5, 2019 11:59:02 PM

Tax Year Prior to 2020: Can my tax refund be taken If I called the Offset hotline and it says NO offsets but I do owe on my student loans?

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24 Replies
Level 7
Jun 5, 2019 11:59:04 PM

Simply owing money on student loans or even being behind in payments isn't going to trigger an offset.  Your student loan company would have had to place the formal offset request with the Treasury Department and they don't always do that depending on how behind in payments you are currently.  But, a word of caution, the offset hotline isn't always 100% accurate - sometimes it won't reflect recent additions and an offset can be placed in the time between your filing of the return and when your refund is paid out.

Level 5
Jun 5, 2019 11:59:05 PM

i am in default on my student loans due to some major personal issues! i’m not someone that just didn’t pay! ok. .  i have been calling the hotline every day and they say no offset... my refund should be here within the next week.  should i be concerned?

Level 2
Jun 5, 2019 11:59:07 PM

The offset lookup number says neither my wife or I have any offsets, WMR said deposit would be on the 22nd up until the 22nd and now it says our refund was offset smh she does have student loans but they have said closed on CK for years.. a few years ago we had our refund offset but have gotten them every year since then out of nowhere, with no warning and seemingly no holds to speak of, it's taken when we needed it the most lmao

Level 5
Jun 5, 2019 11:59:08 PM

let me ask you this... how long were the loans in default?   my refund says still processed but offset number says no offsets. does WMR tell you there was an offset?

Level 2
Jun 5, 2019 11:59:10 PM

It does now, but it said to expect a deposit today all the way up until today and now it says it was offset smh but the loans are old and have been closed on Credit Karma for years.. we were offset once before they were closed but have gotten our return every year since until now for some reason

Level 5
Jun 5, 2019 11:59:11 PM

hmm my loans just went into default in november... i like you says. desperately need my refund..

New Member
Jun 5, 2019 11:59:13 PM

rhey been in default for a year n half but WMR says therea a delay n processing code 1541.   but like 1,000s of people r getting this same message???? I'm so xpnfused...

New Member
Jun 5, 2019 11:59:14 PM

Same no offset on automatic number then today my refund was taken due to offset I called my school creditor they said they haven’t received a pay out so full wgats going on waited 2 hrs on the phone for the ppl but never got through for answers of who took it

Level 5
Jun 5, 2019 11:59:16 PM

so are most of your school loan defaults older?? mine have been delinquent for a while but just defaulted in november.. i’m wondering if i should be concerned. nothing on automated message and refund info is same as everyone else’s.. ‘your tax return is being processed.’

New Member
Jun 5, 2019 11:59:17 PM

The treasury line is wrong..
I guess not updated because of the shut down. The treasury says no offset but my 8843.00 is gone to student loans from 1997.

Level 5
Jun 5, 2019 11:59:19 PM

1997??? and they are just taking it now???  they wait that long??

New Member
Jun 5, 2019 11:59:22 PM

If you have the topic 203 on the irs website you are being offset. That’s what is happening to me and I’ve been in default for a few months and they are garnishing my paycheck from work. Can never get in touch with them and now they are taking my whole tax return.

Level 5
Jun 5, 2019 11:59:24 PM

i do not have that tax topic... just by 2/27 date

New Member
Jun 5, 2019 11:59:25 PM

My wife just went into default on student loans but we just married and first time filing jointly the where's my refund app says a DD date of February 27th and there is no tax topic 203 or adjusted amount and the treasury says no offsets on either social security number...also state has no adjusted amounts either know she went into default or I would have taken care of it like all other bills but am worried because we need this refund just like others should I be worried or am I crazy like she thinks

New Member
Jun 5, 2019 11:59:27 PM

I don't have topic 203 but I did have to verify my identity about a week ago. When I called back to see why my bars weren't showing up three days after verifying, the customer service rep said she saw an offset. My taxes were taken in full last year because of a student loan. When I checked Credit Karma the debt is all cleared except for $80. I called the offset line and it says no offset found. Is there another number I can call to get the correct answer and who I owe?

Level 5
Jun 5, 2019 11:59:28 PM

most seem to think of we just went into default it probably won’t catch up with us until next year..do we’ll have time to work with them up until next year!
i currently have a 2/27 DDD. like you i desperately need too...
hoping we see it tonight..

New Member
Jun 5, 2019 11:59:29 PM

Still no change for me any one else see anything new

Level 5
Jun 5, 2019 11:59:31 PM

still ‘by 2/27’

Level 5
Jun 5, 2019 11:59:32 PM

hoping tonight it goes in

New Member
Jun 5, 2019 11:59:34 PM

Talk about keeping people in suspense also bothsocial security numbers still have no offset found on them when I called the numberI guess tomorrow is the moment of truth or will be kept in suspense

New Member
Jun 5, 2019 11:59:37 PM

I do have an offset. I looked it up online and called. It's only for $80 but still!! So my question is when will I get my letter of offset and why are WMR not showing any bars still with the "we can't provide you with any information? Again I verified a week ago!! When I did verify the offset I did find out what date they took the money. If that's how it's going to be this year I probably won't get my refund until the end of next month! BUT I am praying it comes sooner!!! I'll keep you updated

Level 5
Jun 5, 2019 11:59:38 PM

where can you look it up online??  i called n it says no offset...

New Member
Jun 5, 2019 11:59:40 PM

@riafit You can order your transcripts online. It should show you. I also called the Treasury Offset Department. I tried option 1 first, but no offset. I tried option 2 and it gave me the company name and number that has it offset.

New Member
Jun 5, 2019 11:59:41 PM

@riafit it was a student loan like I said!! Just waiting for them to send my letter for the offset and when they'll finally release my money.