Have You Ever Seen a Grown Woman Cry?

I can't say it was a total surprise; I knew I had defaulted on my student loan but when I called and found out my income tax refund would be offset it really hurt my feelings. Income tax refunds can be offset to repay federal debts such as student loans, child support etc. The number you can call to find out if your income tax refund will be offset is 1- 800–304–3107. After finding out my income tax refund was scheduled to be offset I used wisdom and did not file right away in order to find a way to still get my refund. I entered into a student loan rehabilitation program it was $400.00 down and $314 a month and after my first payment they said they would remove the offset from my IRS account. I know that $400 down and $314 is steep but it sure beats the alternative (no income tax and the holder of the loan can have payments deducted from your pay check). I had about two weeks to come up with the down payment and then another month before my first payment. After six months I will be eligible to receive financial aid and I can defer my loan if needed. My income tax is more than enough to pay for six months of payments so it was well worth it to me. I have wanted to return to school for my masters along time now too.