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If your student loan has been referred to the U.S. Treasurey Offset Program, you wouldl have received a notification.
In the envent, that due to mail delays, etc, you might have not received a notification, you can check the status of your return at this link:
If the message does not say your refund is on the way, write down the information provided including any codes, and contact the IRS at:(NNN) NNN-NNNN
Be sure to follow the prompts that avoid automated information.
Ask the agent to speak to someone regarding the status of your account.
Unfortunately, the only way you can avoid losing all of the refund for your account as a result of the offset program, is to pay the loan, or contact the agency to find out if you can negotiate alternative arrangements.
You should file your taxes for 2005 and 2006. Even if you may not get the refund. The reason is that even if you had a refund coming, the refund, if the offset is in place, it will reduce the amount of your loan. In addition, should you end up owing any tax, you will reduce any penalty or interest of any amount due.