What debt can offset my tax refund?

The following circumstances create the potential for debt offset that can affect your refund:

  • Overdue federal tax debts
  • Past-due child support money
  • Federal agency non-tax debts
  • State income tax debt
  • Unemployment compensation debts owed to a state (for fraudulent wages paid or contributions due to a state fund)
  • Student direct and guaranteed loan repayments
  • Small Business Administration (SBA) loan repayments
  • Department of Housing and Urban Development (HUD) loan repayments

Ready to file?

You've got your forms. And we've got your back. There's only one thing left to do. Let's do this.


So how much will you get (or owe) this year? That’s the million-dollar question. We happen to have three very useful calculators to help you estimate your refund or balance due.

Need Live Support? 1-800-HRBLOCK (1-800-472-5625) or Find An Office