Are you referring tax refund seizure because your student loans are in default?
If so, there is no paperwork to send to the Department of Education that will stop the IRS from seizing the federal t...
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Are you referring tax refund seizure because your student loans are in default?
If so, there is no paperwork to send to the Department of Education that will stop the IRS from seizing the federal tax refund for a debt payment.
Check your offset status: Call the Treasury Offset Program (TOP) Call Center at 1-800-304-3107 to confirm if your name is on the list for tax refund seizure.
Contact the Default Resolution Group: Reach out to the U.S. Department of Education's Default Resolution Group at1-800-621-3115 or manage your options online at myeddebt.ed.gov
Primary Options to Prevent or Reverse an Offset
Loan Rehabilitation: You can enter into a loan rehabilitation agreement by making nine on-time, reasonable, and affordable monthly payments over a period of 10 months. Your loan is considered out of default after the ninth payment is made. You may be able to stop the offset after the fifth payment if you coordinate with your loan holder, but this isn't guaranteed.
Direct Loan Consolidation: You can combine your defaulted federal student loans into a new Direct Consolidation Loan. This can get your loans out of default faster (usually within a few months), making future tax refunds safe, provided the process is complete before you file your tax return.
Pay the Debt in Full: If financially feasible, paying the entire debt owed immediately clears the default status.
Dispute the Debt: If you believe you don't owe the debt, have already paid it, or the loan is not enforceable (e.g., due to forgery or school misconduct), you can dispute the offset by submitting a "Request for Review" form included with your Notice of Intent to Offset. You typically have 65 days to do this after the notice is sent.
Claim Hardship: You can request a financial hardship refund if the offset would cause severe financial strain (e.g., risk of eviction, utility shut-off). You must provide documentation proving your essential expenses, income, and dependents.
File as an Injured Spouse: If you filed a joint tax return with a spouse who has defaulted loans, you can file IRS Form 8379, Injured Spouse Allocation, to recover your portion of the refund.