They will take it all. Happened to me last year. If the irs said they hav no indicator for 2015 maybe they will wait till next year. Which if thats the case get on a payment program with your school loan holder asap so u wont be in offset next year. The TOPS are the dept that you call to find out if you hav an offset and they say they send the who owes info to the irs weekly.
