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

Can I have my refund deposited into two accounts?

Discover whether you can deposit your tax refund into two or more different bank accounts with advice from the tax experts at H&R Block.

Why is my IRS refund amount so different in comparison to last year?

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

I closed the bank account in which I was to receive my direct deposit tax refund. How will I get my refund money?

Issues with your bank account could cause tax refund delays. Learn more about direct deposit tax refunds from the tax experts at H&R Block.

How do I check the status of my refund money?

If you're asking, Where's my refund? we're here to help. Learn how to check your refund status from the tax experts at H&R Block.