PostHeaderIcon My tax refund offset due to defaulted student loans would debt consolidation prevent them from taking refund?

I have some defaulted student loans and I just found out that I wont be getting a tax refund back due to these loans. Now I have 2 dependents to take care of and i need all of my money. I was wondering if i was to consolidate all of my student loans though a debt consolidation agency would that stop the dept of education from taking my tax refund?

8 Responses to “My tax refund offset due to defaulted student loans would debt consolidation prevent them from taking refund?”

  • Angela W says:

    No it is too late now to do anything about it. You have to do something like that months before you file ur taxes.

  • Judy says:

    No. If you had consolidated them several months ago AND MADE REGULAR PAYMENTS SINCE THEN, your refund wouldn’t be taken if your loans were considered to be rehabilitated.

  • the kid says:

    Too late. They need their money too….

  • Shadow says:

    This year is gone. You’ll need to consolidate soon, though. If you don’t make a set number of on time payments once you consolidate, you’ll lose next years also.

  • Amy W says:

    nope too late..shouldnt have waited until the last minute…and I dont get how anyone can default on a student loan..they have deferrments….my lender even has a thing where if you make under a certain amount you can pay it off in 25 years instead of the standard 10…but i dont have to pay still in…shouldnt your degree have gotten you a good enough job that you shouldnt be struggling that much? sorry..dont mean to sound harsh, it just bugs me when people default on a student loan when it is so easy to use another option.

  • Tonya says:

    If you haven’t already filed your taxes you should call 1-800-304-3107 and they’ll give you the name and number of your creditors. Call them and set up a payment arrangements for like 50.00 a month. It may take up to 4week for them to update their system but, you can get your refund back. Make sure you keep making your payments. Good Luck

  • Jennifer says:


    I used “Credit Solution” to settle my debt and avoid bankruptcy.They managed to reduce my debt up to 58% and improve my credit score .It’s legitimate . I came across this company on NBC News Special Edition.Check it out here:

  • Rex says:

    no i think it cannot stop it
    even tough if you made regular payments form then and i hope your refund will not be taken
    hope it helps you

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