<prompt> Human: Ive tried researching this, but it seems that its all greek to me or I cannot find good information that can lead me to an answer.My refund has been delayed, but after it was sent to the bank the wheres my refund tool I show that my adjusted amount is 0.00. From what I gather all of it around 8k was taken to pay SOME debt, but I cannot find where or what it was. I am not sure who to call, and I have not received any letters mentioning any kind of offset. So Im at a loss, really.We do have student loans that are unpaid, since were constantly straining to keep our heads above water with standard bills. That said, the amount of loans doesnt add up to the amount I would receive in taxes, so Im confused as to why its 0.00. Can someone point in me the right direction? Edit: Received a letter stating they took it all. Heading to file the injured spouse form to hopefully get something back. Thanks for all that gifted me their knowledge.  <response>: If you have defaulted student loans you might check with BFS.Otherwise you can call the IRS to ask what the offset was but if it was indeed a non-tax debt they wont be able to tell much beyond the BFS info. 