Question

What debt can offset my tax refund?

Answer

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

Related Topics

Related Resources

Changes To Your IRS Refund Amount

Did you see a change in your refund amount? Learn why the IRS makes changes to your tax refund based on credits and deductions from the tax experts at

New Tax Brackets (Tables): What’s Changed With Tax Reform

Learn about changes to the 2018 tax brackets under the new tax plan. Tax reform passed in 2017, resulting in new tax brackets that affect most taxpayers.

IRS Notice CP89 – Annual Installment Agreement Statement

Learn more about form CP89, why you received it, and how to handle an IRS CP89 notice with help from the tax experts at H&R Block.

How Do I Get a Tax Transcript?

Learn how to get an IRS tax transcript with the experts at H&R Block. You can order a tax transcript online or on the phone.