Question

I have a concern regarding student loan garnishment. My garnished wages are used for payment on my student loan. Will my tax refund also be garnished and applied to student loan debt?

Answer

Usually only the state and federal governments are able to take your tax refund, therefore you’ll probably get your refund if your student loan debt isn’t:

  • With the state or federal government
  • Part of a federally insured student loan program

However, if your student loan debt is with a state or federal government program, they’ll most likely apply your refund to your delinquent student loan balance. You should receive notice if your refund is going to be offset. If you haven’t received notice, contact your student loan provider to determine if they intend to offset your refund.

If you deposit this check in your bank account, it’s possible for private creditors to levy this money.

Related Topics

Related Resources

I am trying to determine the IRS refund schedule–i.e., when refund will be deposited. Will the IRS direct deposit my re

Let H&R Block help you determine when your tax return will be deposited into your bank account based on the IRS refund schedule.

Quarterly Estimated Tax Payments Due June 15 for Freelancers and Business Owners

If you’re a small business veteran, you know that in addition to filing an annual tax return, you will likely make quarterly estimated tax payments.

Can’t Pay Taxes

What happens if you can’t pay your taxes on time? Learn more about late payment penalties and installment agreements from the tax experts at H&R Block

With my federal return accepted and my state return rejected, can I still expect a direct deposit of my federal refund m

Will your federal refund be deposited if your state return is rejected? Learn more from the tax experts at H&R Block.