<prompt> Human: For the past two years, my tax refund has gotten just close enough to my bank account to blow a kiss, and then jumps right in bed with HESAA I make my payments on time mostly so how do I avoid this?Assistant: I make my payments on time mostlyYou either do or you dont. Is your loan in default? If its in default, they can intercept your tax refund and theres not much you can do about it.Human: I guess if its that binary, then I dont. Sometimes its a few days late. Would that put it in default? It may seem like a stupid question, but the world of tax and finance is totally foreign to me.  <response>: It does seem fairly odd that you would not understand the importance of paying on time, but you really do need to pay on time. It will save you a lot in fees and get a good habit started.Think about it this way: if you lent some of your own money to someone and they mostly paid it back as per your agreement, would you be happy with that person? 