What is the name of your state? NY
My family has been hit by one thing after another this past year. My student loans defaulted and I called a couple of days past the expiration date to work out a payment arrangement. Yes it was my fault. I put the wrong date in my calendar. I was told I'd receive a letter about my options and that it was now off their desk. I waited and waited to no avail only to find out that the loans defaulted about 2 weeks later and were sent back to the lender a MONTH later AND now they are offsetting my husband and my tax refund. I was told I could have my husband file for an injured spouse only to find out we don't qualify because we didn't have a refund credit. What options do we have for a refund? I'm a wreck.
I saw there's a hardship option but it looks like you have to have specific things for that to work aside from we are just struggling horribly and were counting on our refund to lessen our load some.