I have defaulted on my student loan. I know that I have and know that I owe. I am talking with the company. Last year I received a letter stating that I would be eligible to have my tax refund garnished if I did not start paying. I did talk with the company at that time, I still have not been able to make a payment as I am unemployed. Is there a way to find out if they did send me to have my tax refund garnished. Would they have to tell me that I am going to have the refund garnished? My husband and I file together and he is the only one that has been working, I know that we can file the injured spouse form but I don't know if we should file taxes separately, file that form, or just file and hope they don't take our refund. Just wanted to know if there is a way to find our for sure, so we know what would be our best option for filling taxes. Thanks

