<prompt> Human: So i owe around 17k in school loans which i have defaulted on. Last year the government took my refund of about 1.3k. This year i made more and would be looking at over 2k, but i wont see that money. Is there anything i could do to prevent this? Will they allow me to set up a payment plan, or is it too late? I just got my w2 yesterday. I live in texas and Im 29 fyi.  <response>: Is there anything i could do to prevent this?Pay off your student loans. 