[lilmsmum]

I was in deferment on my student loans. I sent in all my paperwork in on time. Then one day, in my mailbox was a collection notice. I didnt understand so i called the number and tried to go back in to deferment. No luck. So then i tried to make payments
I offered 140/month but they said i had to pay at least 190. I could not pay that much so I am now in default. Since then i have started to pay 125/ monthly but was told if i fiile income tax, they will garnish it for the loans which sucks cuz i always claimed 0 so I could get my money at the end of the year.
My question is, Do they keep all of my return? the lady i spoke to mentioned i may be able to get my EIC and something else back. Any help is greatly appreciated. I really need my return and without it, it will cause my family distress.(no i do not mean i will be unable to vacation or buy a big screen. i NEED it )