Hi lojack8969,
As you've indicated, student loan debt cancellation is generally not taxable through the end of 2025, due to the American Rescue Plan Act. This can vary on the state level however. Some states still tax cancellation of student loan debt as income.
A refund of payments made is generally not considered income, so would not be taxable.
Here's some additional information about student loan forgiveness: https://turbotax.intuit.com/tax-tips/college-and-education/can-debt-forgiveness-cause-a-student-loan...
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