<prompt> Human: Im a little freaked out right now because its time for me to file my taxes and I was just notified that my student loan debt went to a company that is notorious for crooked business practices. The company is called Navient. Every year for the last four years, my entire tax return has been allocated to some random debt collector for a student loan that I took out for ONE SEMESTER OF COMMUNITY COLLEGE. Last year I decided to contact the company and I opted to slowly pay the remainder of my debt off over time through a loan rehabilitation program. I whittled my debt down to under 1,000 dollars, but now that my debt has passed over to Navient, what should I expect? I dont even want to call them or file my taxes unless I get some sort of financial advice, Im really not good at this stuff. I think the rehabilitation program has expired, so I think that all of my tax return will go to this company. My return should be enough to pay off my balance as it stood with the previous company, and if it does, then Im ok with that. But if not, Id rather keep it until I can figure out what the hell is going on.  <response>: I love that the debt collectors are crooked, but youre the one who hasnt paid your loan back.Navient isnt a debt collector, they are a student loan servicer. They collect money on behalf of whoever provided you that student loan. If that provider is the Federal Government, then they have the right to any tax over payments that you have made.I would try to find out what your payoff balance is. If it is more than your tax refund is going to be, then you are going to lose your refund. 