Why Your Tax Refund Was Taken (and How to Get It Back)

You filed your taxes. You expected your refund. Then—nothing

If your refund disappeared and you have defaulted student loans, it was likely taken by the U.S. Treasury Offset Program.

Why Did This Happen?

If you’ve been in student loan default, the IRS has the legal authority to seize your federal tax refund as repayment—without warning.

It’s one of the most common and financially painful collection actions. Most people don’t even know they’re at risk until it’s too late.

Can You Get It Back?

If your refund was already taken this year, it’s unlikely you’ll recover it—but you can prevent it from happening again.

Here’s How:

1. Apply for a Direct Consolidation Loan to bring your loans back into good standing
2. Choose a qualifying Income-Driven Repayment Plan
3. Submit proof of income and family size
4. TCR will help you file, follow up, and restore federal eligibility

Once complete, you’ll stop any further tax offsets and protect future refunds.