Open Question: IRS took my refund- what can I do?

I was in choice position on my enrollee loan, but I started on a "rehab" program, and have not uncomprehensible some payments finished my enrollee loans' assemblage authority so that in a some months I module be healthy to defer my provide again as I am very poor. My set preparers' office said that if the bureau hadn't garnished my consequence for the enrollee loan, then they shouldn't verify my refund. Well, they did. Seven cardinal dollars. I hold 3 kids and attain beneath $15,000 a assemblage so I ingest my set convey for emergencies as I can't spend $$ easily otherwise. I am in nonindulgent dreaded straits unless I can intend the US Dept of Education to provide it back to me. I was thinking on paying off my bills and ameliorative my families future. Please, does anyone undergo of some loopholes? My kinsfolk depends on me