Every Spring we hear from clients who have had their tax refund intercepted and it's very commonly the result of having a default on their federal student loan. Some clients don't even realize they're in default, they think they're in forbearance, or deferment, or something else is being done. It's important to make sure you remain in contact with your federal loan servicer, try to avoid default if possible. They do add a substantial amount to the balance if you default. They can obviously take tax refunds, a portion of Social Security, do wage garnishments and things. Once you're in default, you can cure the default and be able to get back on track with an income-based program for the future.