if you are delinquent on your student loan, the Dept of Education could seize your refund to pay for the delinquent amounts.
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TurboTax never knows about offsets to your refund
Reduced Refund https://www.irs.gov/taxtopics/tc203
NOTE: You can contact the IRS Treasury Offset Program Call Center at 1-800-304-3107 to ask if they have an offset for you on file. TurboTax would not have that information.