Question

Will a student loan offset delay my refund it says approved

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Did you get an offset notification? If you have defaulted loans, you would see an offset notification, which could delay your refund.

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We did not receive notice of the offset before it was taken for US Dept Student Loans.

It is possible. I would suggest you call the IRS to verify. Please read more details here: https://www.irs.gov/taxtopics/tc203

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