So back in 2012 I took out 2 student loans and after I was done I defaulted on them. The US dept of edu sent them to a collection agency and I am now in a 9 month rehab program. Once I am done with the 9 months with no missed payments they said the US dept of edu will pick my loan back up and I will no longer be in default. ( I have 4 accounts showing up on my credit report, 2 from US dept of edu and 2 from collection agency about these loans)
Two questions: has anyone gotten out of a defaulted student loan in december or January and had a tax offset done to obtain the amount owed for student loan from tax refund? Or would they only offset my refund if my student loan is still defaulted?
And once my student loan is out of default and back to orginal lender will the debt collection account(2)s be removed from my credit report since I completed there rehab program?
Sorry if this sounds confusing.