<prompt> Human: I recently received a notice when tracking my return that the entirety of my refund will be offset to a debt I owe to the Department of Education. After speaking with the Tax Offset program, who referred me to DoE, who referred me to a debt collector, I found my loans were in default and the collection agency is urging me to being a debt rehabilitation program. After speaking with the IRS I found that the notice of my offset had not been sent to my address yet and I should expect the notice next week. This is where I think I have hope. I would like to try to appeal this offset by saying I will enroll in a payment plan to conquer my looming student debt with the hopes that I can receive at least some of this tax return that would actually help me start doing that immediately.I need some advice on what to include in my request of review for the offset. Any information on how to challenge a tax offset would help me greatly. Edit: Should I enroll in this rehabilitation program? How can I know this debt collector is even reliable?  <response>: You have about a 0 chance of appealing this. You didnt know your loans were in default, 100 ignored some notice from creditors and collections agencies about this debt, and are only now being informed of the offset notice. 