I had the same problem. The only option that was given to me was to get my loans out of default thru the collection agency (national recovery) who my loans were transferred to. I was told after the 5th qualifying payment in the rehabilitation program (offset wasn't taken off with IRS until after 6th monthly payment) that i would be able to file and not have them taken. I started in December, made a double payment in January and now i'm on my 6th payment in April. Today i was able to file my taxes after my information was updated with the debt collector, Department of Education and the IRS. I hated waiting but i'm in better standing with my loans and i can file w/out my taxes being taken. I have 3 more months until I'm out of default.
