You will not get a last final decision of whether you are accredited for your loan till after the IRS accepts your e-filed federal tax return. Loan repayment is deducted from a federal tax refund and lessens the next refund total paid on to you. E-file.com is a licensed IRS https://bloomingtonillinois.canariblogs.com/tax-accountant-deer-creek-il-47570970