I'm not sure you are saying you ARE or are NOT in student loan default. So... If you are in default and file your taxes for 2017 and 2018, the refund(s) will be taken to cover the debt. If you have any refund amount remaining, it will be mailed to you.
If you are NOT in default and are due the refund for 2017 and /or 2018, you should receive them. The fact that you filed 2017 late will have to impact.
