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6 Answers

Tax offset from student loan help.?

Asked by: lpliskin 577 views YA Discussion

Just recieved a letter from Capital Management Services regarding a old student loan of 4,000 from Kaplan University, this has been years ago, i forgot, and they just sent me a collection letter just before tax time saying to get ahold of them within 30 days to verify this debt. Its Dec.2012, i called the offset line and its not there for 2013 yet. Is there a way to keep my name off of the tax offset list for 2013? Can i make a payment now to stop this? Btw my last name has chaned since then will this help? Advice please on how i can control this just until i can get my refund. I am married as well and file married.
Thanks for the answers so far, another tidbit of info here is Citibank is attached to this as well. It seems they just found me, i was in the army at the time all over the place and didnt realize i still owed it. Its not a threatening letter, intend to pay, just knocking on tax time and making sure its NOT a government loan.

How others found here:

  • how to stop irs offset
  • Sallie Mae Tax Offset

6 Answers



  1. Bostonian In MO on Dec 22, 2012 Reply

    This sounds like it may have been a private student loan. Those loans are NOT recoverable by offset of your tax refund.

    If it is a government guaranteed or direct Stafford loan and you are in default it can be recovered through offset of your tax refund. It could pop on the offset list at any time. If it is subject to recovery by refund offset, Sallie Mae will place the offset flag. You’d have to contact them to see what could be done to avoid the offset.

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  2. tro on Dec 22, 2012 Reply

    your loan with Kaplan was a loan between you and them, not a gov’t sponsored student loan
    the collection agency will very likely in time get a court order to garnish your wages but only defaulted gov’t sponsored student loans offset your refund

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  3. Judy on Dec 22, 2012 Reply

    Pay the bill.

    Getting on a payment plan and sticking to it for about 9 months would probably get it out of default, but it’s too late for that for this year

    And no, changing your name doesn’t help you.

    If they decide to file the offset paperwork, your refund is gone.

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  4. Bobbie on Dec 22, 2012 Reply

    FAFSA QUALIFIED government student loans can be assigned to the FMS REFUND offset program for this purpose and time in your life.
    Making payments should be a way to help prevent this from taking place at this time in your life IF this is and was a government backed student loan for this purpose and time in your life.
    Hope that you find the above enclosed information useful. 12/21/2012

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  5. Angela on Feb 02, 2013 Reply

    I also went to kaplan and yes they can offest your refund. Your loan is with the irs not kaplan. I have been making payments to ecmc for 6 months and they still put my name on the offset list. Im afraid nothing will stop them. I have been upset over this and I only try to think positive because of course I am pissed. Alteast now I dont have to worry about it anymore and it is done and over with.

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  6. Angela on Feb 02, 2013 Reply

    Oh and to Tro I dont know why you think this is not a government issue. Anytime it is a student loan it is from the goernment.

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