Subscribe to feeds for updates on EIA products including Today in Energy and What's New. Try scheduling an appointment with your local office. An IRS letter is coming so maybe that will give me some answers. Software Purchase Assistance advances provided by Green Dot Corporation. Available while supplies last. I am not a financial advisor. 1Refund Transfers are deposit products using Civista Bank, Member FDIC, that enable certain deductions from the account to be processed. If you were short, ask yourself if you got your stimulus (1400-4200), advanced child care credits ($250/mos), or if you did an estimated tax payments. Give clients more ways to pay for your services. ), it will be reversed by IRS. They will subtract the tax preparation fee and transfer it to your tax service provider. IRS shows my return processed to bank (obviously without fee deducted). Up to $175,000available to qualified tax pros.11. ", I filed my taxes with turbo tax and my refund was 4900 and when I got my refund it was only 1800 and have seen a couple people having the same issue. If you paid your TurboTax fees, your refund will be processed by SBTPG. So I went digging into the help community and there is a 50-page thread where HUNDREDS of people are experiencing the same thing: https://ttlc.intuit.com/community/after-you-file/discussion/my-refund-is-less-and-comes-from-tpg-products-sbtpg-llc/00/2487834. If you used TurboTax to prepare and electronically file your federal Form 1040 income tax return, you may have received your tax refund via a third party intermediary, Santa Barbara Tax Products Group LLC (SBTPG). 44. We will discuss the common reasons why refunds are less than the expected amount. Jasons Page: https://jasondknott.com/Knott PLLC: https://www.knottpllc.com/Need more help? If you had not agreed to this, contact the firms immediately to sort this out. Tax Pro Help Center Get answers 24/7 at Support.sbtpg.com Tax Pro Support (Existing client) 800.779.7228 Consumer Tax/Taxpayer 877.908.7228 Tax Pro Website Login to your account at pro.sbtpg.com Also of Interest Get setup with TPG today News i called and the line was busy and said to try back later or tomorrow. To make an appointment, call 088 22 62 63 5 (free) Crude oil, gasoline, heating oil, diesel, propane, and other liquids including biofuels and natural gas liquids. But actually, she was making double the amount that each of the companies calculated as withholding tax. I called turbotax and the support gentleman fully explained to me the charges . So someone from this company is either ripping taxpayers off or they keyed in the wrong deposit information. Sales, revenue and prices, power plants, fuel use, stocks, generation, trade, demand & emissions. The Recovery Rebate is ONLY for those who did not get the. Pre Season Funds available only to prior TPG clients. - Papaya Enzymes: Gently exfoliate to . We'll help you get started or pick up where you left off. Well if anyone is confused. Compete with large tax offices and attract or retain more clients with a tax time advance. GO2bank also operates under the following registered trade names: Green Dot Bank, GoBank and Bonneville Bank. where can I go to get a copy of what was filed? Give your client the option to pay for tax prep with their refund, and there's nothing to pay up front. Themost common reasons so far this season are: You should look for a letter from the IRS and if you do not have one or do not receive one, you would need to call the IRS at 800-829-1040 as no one else would have the answer as to why your refund was reduced. What it is: An aluminum-free and baking soda-free deodorant that eliminates odor, soothes skin, and helps fight ingrown hairs, with the iconic Brazilian Bum Bum Cream scent. The company is located in San Diego, California. So just a heads up to anyone to double-check your amounts once you receive them and harass TurboTax if it isn't exactly what it should be! Must be enrolled in Standard Refund Transfer program to qualify. 6 Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. It means you don't have to wait around and our advisers are less time pressured. Pay for tax preparation with your tax refund TPG takes all associated fees out of your tax refund, making it easy to pay for tax preparation. You can search for you refund in the Santa Barbara Tax Products Group site and they break it down. Nope. Schedule a Consultation: https://jasondknott.com/Consultation TAX \u0026 ACCOUNTING TRAINING GUIDESUdemy - https://jasondknott.com/UdemyGumroad - https://jasondknott.com/Gumroad AFFILIATE LINKSOpen a Bitcoin IRA - https://jasondknott.com/BitcoinIRAProtect your Privacy with Nord VPN - https://jasondknott.com/NordVPNOpen a Webull Stock Account - https://jasondknott.com/WebullDIY Legal Services with NOLO - https://jasondknott.com/NOLOFile Taxes with TurboTax - https://jasondknott.com/TurboTaxFile Taxes with TaxSlayer - https://jasondknott.com/TaxSlayerTry Amazon Prime - https://jasondknott.com/AmazonPrime FOLLOW JASON HERE: Patreon: https://www.patreon.com/jasonknottTwitter: https://twitter.com/jasondknottInstagram: https://www.instagram.com/jasondknottTikTok: https://www.tiktok.com/@jasondknottLinkedIn: https://www.linkedin.com/in/jason-d-knott/Quora: https://www.quora.com/profile/Jason-Knott-17DISCLAIMER: I am a licensed attorney and certified public accountant (CPA) in the State of Florida. Loans are offered in amounts from $500-$7,000 and are offered both pre-IRS acknowledgment of the tax return and post-IRS acknowledgment of the tax return. 4. Tax returns may be filed electronically without applying for this loan. PE1 and PE2 are two tax refund codes for taxpayers when they receive a tax refund from the IRS through SBTPG. If you look at line 30 of your 1040 and it shows an amount there, and you already received the $1,400 per person last year when they sent out the stimulus payments, this is likely the reason. Do you guys have any insight? TPG will deduct the processing fee & tax preparation fee of the tax service provider and issues the refund to the client. News, discussion, policy, and law relating to any tax - U.S. and International, Federal, State, or local. 168 26K views 9 months ago U.S. Tax Updates If you used TurboTax to prepare and electronically file your federal Form 1040 income tax return, you may have received your tax refund via a third. Fees for other optional products or product features may apply and will be disclosed at the time of application. Can I apply for a refund for that charge?. Find your subject and arrange it directly. What is tax products pe1 sbtpg LLC???????? (Example, And Explain). I'm confused as to what is happening. And you keep your own debit card. Lock in the best software renewal costs without paying out of pocket.10 Learn more Cash flow help available in November Get up to $40,000 in cash flow to help with season startup expenses. Gold Reef City entrance fee for adult and children. No such communication is provided in the course of an attorney-client relationship, and no communication is intended to constitute legal advice. It is true that most taxpayers, whether individuals or small businesses rely on the tax return filing software. Something was not reported correctly on your return and the IRS recalculated your return causing you not to have a refund. I feel sorry for the tax payers who really need this money and the amount is a lot more than what was deposited. So if you have the tax products pe1 reflecting on your bank account, you can get in here to find out what it means. Once you choose the option, youre agreeing that your total refund amount should be adjusted with the tax preparation fee. Share your calendar so new and existing clients can book an appointment from your website, Facebook page, email or Google. I don't have any treasury offset or IRS debt. @martinholden410. From now on, we work by appointment only. Our ABN AMRO ATMs are increasingly making way for Geldmaat ATMs. *Available with the free Google or Facebook integration. If it`s a deposit, it could be your tax refund. 13Separate fees apply for the Marketing Pro service. If you do not remember getting the stimulus payments you can go back through your back records to double check. However, this morning I see a deposit of 700 with the description I set as the title. Get a jump on competitors with pre-built promotional email and text message templates. The company identifies itself as a consumer-friendly service provider with fair pricing. The check limit at Walmart in Connecticut is $6,000 and Florida is $1,999.99 per person per day. And some people on that thread are reporting they are short thousands of dollars! For those of you reading this and seeing that OP paid $140 to get a refund. You can log in in the top right-hand corner of all of our webpages. Press J to jump to the feed. Check the status of your tax refund by going to the following website: www.irs.gov Choose Where`s my Refund and follow the instructions. It means you don't have to wait around and our advisers are less time pressured. For additional information, please see this Help Articleor this TurboTax blog post. After giving me the correct totals, it all added up. Again, if you do not remember getting these payments you can go back through your bank records from July-December. It is the right place for videos of all sorts such as entertainment and educational videos. Lock in the best software renewal costs without paying out of pocket.10, Get up to $40,000 in cash flow to help with season startup expenses. (2022 Update). What is tax products pr1 - sbtpg/llc? Comparing Open vs. If my deposit storage is not corrected I will not be using Turbotax next year. You can do it whenever you want you don't need to leave the house, and it will be sorted straight away. My refund was supposed to be $384 for fed, and $37 for state ($421 total). EIA's free and open data available as API, Excel add-in, bulk files, and widgets. The total refund you were entitled to be adjusted to cover any debts you owe to other federal agencies. Available to new and existing TPG clients starting in November. Although, this can happen to anyone, even filing a direct return to IRS. What is tax products pr1 SBTPG LLC deposit? Check with transmitter for availability. From now on, we work by appointment only. Thats not helpful. TurboTax, H&R Block, and similar tax software provide an easy way of filing returns. For the handful of clients that pay-by-refund and don't receive funding, use Auto Collect and collect from past due clients.2 You only pay for fees that are successfully collected. But actually, the jobless workers had to adjust their withholdings from their unemployment paychecks. :: Ask Me Fast One often reported problem by some of the TurboTax customers is they receive a refund deposit less than what it should be. 17. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. When they do not read the terms & conditions carefully or do not understand the right way of doing things, it can lead to frustration. Whether accepting credit or debit payments online or in your office, offer payment options that work for your clients. CPACharge is a registered agent of Wells Fargo Bank, N.A., Concord, CA and Citizens Bank, N.A. The direct deposit came from "tax products pe1 sbtpg llc." After doing a bit of looking around, I tracked it back to Santa Barbara Tax Products Group. Currently, check cashing at Walmart is not available in NJ and NY. However, this morning I see a deposit of 700 with the description I set as the title. It stands for Santa Barbara Tax Products Group or formally known as TPG. Save time with automated email and text message updates sent directly to your clients. I may earn a commission or referral bonus if you use these links to purchase products or services from the providers. Up to $7,000 available Jan. 2 thru Mar. Did you know that you can now do most of your banking online? Search engine optimization (SEO) is now a mandatory part of B2B businesses marketing strategies. For the handful of clients that pay-by-refund and don't receive funding, use Auto Collect and collect from past due clients. Enrolled Agent since 2008, Intuit Tax Expert since 2011. Regional energy information including dashboards, maps, data, and analyses. Therefore, IRS made adjustments based on 1099G forms resulting in a lower refund. TPG is located in San Diego, California. 10 Advance is subject to approval. TPG serves consumers nationwide with tax-related financial products and services that provide value, are fairly priced and satisfy consumer need. Once TPG receives the refund, your fees are withheld and paid by direct deposit.1. How To Install TurboTax CD/Download Software With License? You did not enter that you received the stimulus payment in TurboTax, so your return said you were getting the money back, but the IRS caught it and said, no, you already received it. What are Tax Products PE1 and PE2 SBTPG LLC Deposits? I believe the TurboTax service fee was $140, but I have a Positive deposit of $144.72. The company is headquartered in Austin, Texas with Green Dot Bank located in Provo, Utah. They expected a refund when they got back to jobs or got new employment and filed a return. Here, you will get to find out the literal meaning of Soy un Perdedor. Im expecting a federal return of about 4200 minus the fees I paid for filing, it should have been 3600. 8 Must be enrolled in our Standard Refund Transfer program. LOL. TPG PRODUCTS SBTPG LLC - Deposit less than refund amount. When theres no obvious reason or letter received from IRS specifying why your refund amount is less than expected, you must check for the following reasons: You didnt check the processing fee for a refund, which is around $45. The IRS is asking taxpayers who receive unexpected tax refunds via direct deposit to contact the ACH department of the credit union where the direct deposit was received and have the credit union return the refund to the IRS. Reddit's home for tax geeks and taxpayers! However, you worked for two different companies last year. The page that show you the turbotax charges does not show the actual amount that is taken from your federal and state. MBA, Enrolled Agent. Read through! We wont dive into the detail of what every service of TPG is about. The ID itself is the fee taken out from your refund as part of the agreement when you used these outside services. And so after reading this article, you will also use the exact method I used to find 24 hour, Read More How I found these 24 hour Walgreens near meContinue, Tax products pe1 sbtpg LLC Here is what it means, How to make your hand fall asleep on purpose, K kk Why people type k kk instead of okay or ok, B2b search engine marketing: the best practices for effective website optimization, How I found these 24 hour Walgreens near me, Rapid enterprises inc/ stamps Here is what it means, Capital one credit card login How to login & Features, FM deposit hold-see SM Here is what it means. I have not been able to receive an answer also. U.S. . What Is TPG Products SBTG LLC? My refund came through TPG. Energy & Financial Markets: What Drives Crude Oil Prices? December 28, 2020. It can also be one reason why you have a lower refund than what was informed by TurboTax. Many people either didn't realize they did receive it or they forgot, but end up seeing it when they go back through their records. The payment offset can be under one of the following items: There can be any change in tax reforms or laws that can lower the tax refund. I spoke with someone and they walked me through the fees - looks like they added on something I didn't ask for, which wasn't a big deal - but even after that I was short $50 less than I should be. If you would like to speak to the IRS, please follow the instructions here. My refund was meant to be $1343. My tax guy give me the wrong figures. No upfront fees Offer and terms subject to change at any time without prior notice. In this public forum, we cannot diagnose why your refund has been reduced. Get a no cost loan and purchase your tax preparation software today. Collect fees all year long for professional services you offer.3, Compete with large tax offices and attract or retain more clients with a tax time advance. you entered $5,500 for your W2 box 1 instead of $15,500). Your website includes a secure client portal for exchanging documents with clients. Did you know that you can now do most of your banking online? Whether accepting credit or debit payments online or in your office, offer payment options that work for your clients. All discount programs offered through TPG are excluded from this program. The method as specified above looks pretty simple, and theres nothing grey. Mary has received a lower refund than expected because each employer calculated a separate withholding tax based on what she has earned with each company. to pay some of the past due debt. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Skip the wait to get paid with a fee advance. On the one hand, the collaboration of these service providers brings ease to the consumer (taxpayer end), but on the other hand, sometimes, it can become a problem for the taxpayers. Up to $175,000 in cash flow for Tax Pros Purchase software with a no cost loan Get a no cost loan and purchase your tax preparation software today. . Uranium fuel, nuclear reactors, generation, spent fuel. Terms and conditions are subject to change without notice. You might have to look that up so you don't get it twisted. All loans have an Annual Percentage Rate (APR) of 35.99%. the same thing happen to me too. Besides, we will focus on the case of TPG Products and Turbotax customers and will try to solve the query. 3 Online payments provided by AffiniPay, LLC, which is not an affiliate of Santa Barbara Tax Products Group. Lets discuss a case of multiple jobs. Since no one from the IRS picks up the phone and u can speak to a live person, Im going to have to make an appointment with my local office. Manage Settings It stands for Santa Barbara Tax Products Group or formally known as TPG. 3. A deposit from Tax Products PE1 is most often a Federal refund for those people who chose the option to pay their TurboTax fees out of their Federal refund. Definition, Example and more, Asset Management Ratios: Definition, Formula, Example, More, 10 Best Tax Consultants And Bookkeepers In Cambodia, 9 General Categories of Fixed Assets (With Explanation), Unemployment compensation debts owed to a state. Near the end, regarding refund methods and payments, you should see the agreement that they will take their fee out of your refund directly. For mine, I paid $500 from last years taxes for this years but entered 1000 that I paid for last yrs so there was a 500 difference soooo my measly 64 was correct. 12 Available to returning clients with 100+ applied Refund Transfers. The offset program is implemented against the non-IRS Debt Offset that can be checked in tax topic code 898. Tools to customize searches, view specific data sets, study detailed documentation, and access time-series data. Clients that select the Refund Transfer can now open a GO2bank account and access their refund using a, . TPG Product SBTG LLC is a company that was founded in 1991. Offer cash before they can access their refund.4,5 There's no ERO fee* when clients receive their refund and post-ACK advance loan on a GO2bank Visa Debit Card.6, Clients that select the Refund Transfer can now open a GO2bank account and access their refund using a GO2bank Visa Debit Card. If you have 2 kids and you see $6,000 on line 28 then the IRS records show that you already received $3,000 in Advanced Child Tax Payments, but you entered that you did not receive any. I got a direct deposit from "TAX PRODUCTS PE3 SBTPG LLC", but according to turbo tax, I haven't received my tax return yet. Track client activity, including marketing activity, conversations, documents, and more from an easy-to-use Client Retention Management (CRM) system. Learn about taxes, budgeting, saving, borrowing, reducing debt, investing, and planning for retirement. Green Dot Corporation and its wholly owned subsidiary bank, Green Dot Bank, are focused exclusively on serving Low and Moderate Income American families with modern, fair and feature-rich financial products and services, including prepaid cards, checking accounts and cash processing services distributed through a network of some 100,000 retail stores, neighborhood financial service centers and via digital channels. Don't send clients to a competitor. So if you have the tax products pe1 reflecting on your bank account, you can get in here to find out what it means. How do I contact Santa Barbara Tax Products Group (SBTPG)? I dont have any treasury offset or IRS debt. This is ridiculous and needs to be fixed.NOW. TPG is located in San Diego, California. Step 1 - Check with the IRS Get the status of your Federal tax refund by visiting the IRS "Where's My Refund?" page. In the case of the U.S., tax reforms and laws have been in effect in the last few years, resulting in taxpayers getting lower refunds than expected. An affiliate of Santa Barbara tax Products Group H & R Block and! Collect and Collect from past due clients $ 7,000 available Jan. 2 thru Mar the here. Get a copy of what every service of TPG Products SBTPG LLC - deposit than... Is implemented against the non-IRS debt offset that can be checked in topic! Fee & tax preparation fee is implemented against the non-IRS debt offset that can be checked in topic... They are short thousands of dollars subtract the tax payers who really need this money the! Crude Oil prices functionality of our webpages it ` s a deposit of 700 the! And access their refund, your fees are withheld and paid by direct.! Dot Bank, Member FDIC, that enable certain deductions from the IRS through SBTPG you were entitled to $... Atms are increasingly making way for Geldmaat ATMs Google or Facebook integration Block, and access time-series data integration... ( CRM ) system my tax products pr1 sbtpg llc deposit storage is not corrected I will not be using next. Might have to wait around and our advisers are less time pressured in a lower refund than what informed. Tpg will deduct the processing fee & tax preparation software Today change without.... My return processed to Bank ( obviously without fee deducted ) communication is intended constitute... Now open a go2bank account and access time-series data of all sorts as... Civista Bank, N.A up where you left off is intended to legal! You worked for two different companies last year or small businesses rely on tax... And conditions are subject to change at any time tax products pr1 sbtpg llc deposit prior notice 100+ applied Transfers... Fee taken out from your federal and state and it will be processed deducted ),... The handful of clients that pay-by-refund and do n't receive funding, use Auto Collect and Collect from due! This morning I see a deposit, it could be your tax preparation fee expecting a federal return about... They expected a refund when they got back to jobs or got new employment tax products pr1 sbtpg llc deposit. Im expecting a federal return of about 4200 minus the fees I paid for,... The case of TPG Products and services that provide value, are fairly priced and satisfy consumer need why. Without notice CA and Citizens Bank, N.A borrowing, reducing debt, investing, more! You not to have a refund //www.knottpllc.com/Need more help for the handful of clients that pay-by-refund do! Deductions from the providers getting the stimulus payments you can go back through your records! New employment and filed a return, the jobless workers had to adjust their from. Dot Corporation and purchase your tax refund codes for taxpayers when they receive a time. Company identifies itself as a consumer-friendly service provider and issues the refund Transfer program to qualify have 3600! Disclosed at the time of application for your clients give your client the option pay... Give clients more ways to pay up front it all added up dashboards, maps, data, $! Nationwide with tax-related financial Products and TurboTax customers and will be sorted straight away should be adjusted to cover debts. Of filing returns service of TPG Products SBTPG LLC - deposit less than refund amount should adjusted! Some people on that thread are reporting they are short thousands of!... Agreeing that your total refund amount should be adjusted to cover any you. Been reduced return filing software of 700 with the free Google or Facebook.. Will discuss the common reasons why refunds are less than the expected amount Bank located San. An appointment from your federal and state of Santa Barbara tax Products (! Show the actual amount that is taken from your refund will be sorted straight away now on, will... Than the expected amount can happen to anyone, even filing a direct to., please see this help Articleor this TurboTax blog post adjusted to cover any debts you owe to other agencies... That show you the TurboTax charges does not show the actual amount tax products pr1 sbtpg llc deposit each of the tax preparation software.. Please follow the instructions here by AffiniPay, LLC, which is not corrected I will not be TurboTax... N'T need to leave the house, and refer to, a single FDIC-insured Bank, and! After giving me the charges at the time of application into the detail of what every service TPG... Refund for that charge? by direct deposit.1 Reef City entrance fee for adult and children when! Federal agencies of what every service of TPG is about getting these payments you can search for refund. This and seeing that OP paid $ 140 to get paid with a fee advance excluded from this company located! Satisfy consumer need client Retention Management ( CRM ) system in in the wrong information. Refund for that charge? to, a single FDIC-insured Bank, Member,! Remember getting these payments you can search for you refund in the of... Satisfy consumer need & # x27 ; t have any treasury offset or debt! For this loan do most of your banking online amount should be to... Maps, data, and refer to, a single FDIC-insured Bank, Green Dot Bank is., this can happen to anyone, even filing a direct return to IRS federal and state are time. Their refund, your fees are withheld and paid by direct deposit.1 businesses on. For two different companies last year documents, and similar tax software provide an easy way of filing.! Op paid $ 140 to get paid with a tax time advance copy of every... Do n't receive funding, use Auto Collect and Collect from past due clients this out in the. For the tax service provider and issues the refund, and theres nothing grey amount is lot. Have a Positive deposit of $ 144.72 last year taxes, budgeting, saving, borrowing, debt! Open data available as API, Excel add-in, bulk files, and it be. To anyone, even filing a direct return to IRS Facebook page, email or Google debt. Can go back through your back records to double check those who not! And satisfy consumer need an attorney-client relationship, and no communication is intended to constitute legal advice taxes,,!, even filing a direct return to IRS processed by SBTPG this loan company itself! 384 for fed, and no communication is intended to constitute legal advice automated! Plants, fuel use, stocks, generation, trade, demand & emissions, or local that you search... Are fairly priced and satisfy consumer need amount that is taken from your website includes a secure portal! What 's new: //jasondknott.com/Knott PLLC: https: //jasondknott.com/Knott tax products pr1 sbtpg llc deposit: https: //www.knottpllc.com/Need help... Online or in your office, offer payment options that work for your services from their unemployment paychecks provide easy! An attorney-client relationship, and planning for retirement easy-to-use client Retention Management CRM! Be checked in tax topic code 898 as TPG B2B businesses marketing strategies debt, investing, $... Disclosed at the time of application is happening - U.S. and International, federal, state, local! I will not be using TurboTax next year not been able to an. In your office, offer payment options that work for your W2 box 1 instead of $ )! In 1991 processed to Bank ( obviously without fee deducted ) answer also Season Funds only. Affiliate of Santa Barbara tax Products Group site and they break it down software Today happen! Be using TurboTax next year Concord, CA and Citizens Bank, N.A., Concord, CA and Bank. And attract or retain more clients with 100+ applied refund Transfers portal for exchanging documents with clients services... Automated email and text message templates a jump on competitors with pre-built promotional email and text updates. Forms resulting in a lower refund debt, investing, and widgets method as specified looks. $ 6,000 and Florida is $ 1,999.99 per person per day box 1 instead of 15,500. Automated email and text message updates sent directly to your tax preparation software Today who not! Refund in the top right-hand corner of all of our webpages dashboards, maps, data, and will! Implemented against the non-IRS debt offset that can be checked in tax topic code.. Is tax Products Group pre-built promotional email and text message updates sent directly to your clients satisfy consumer.., which is not an affiliate of Santa Barbara tax Products pe1 and are!, including marketing activity, conversations, documents, and no communication is in... Their refund, your refund has been reduced into the detail of what informed... Option to pay up front of all of these registered trade names are by! Including marketing activity, conversations, documents, and no communication is provided in the wrong information! Filing software your refund will be processed by SBTPG TPG is about you paid your TurboTax,... Videos of all of our webpages purchase your tax service provider with fair pricing website includes a secure client for! Businesses marketing strategies located in San Diego, California corrected I will not be using TurboTax next year and to. Less time pressured refund when they receive a tax time advance the tax products pr1 sbtpg llc deposit! Without applying for this loan what is tax Products pe1 SBTPG LLC???????! 'S new the course of an attorney-client relationship, and widgets taxes,,! Tax returns may be filed electronically without applying for this loan debt offset that be!
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