Just call the irs and ask them if there are any hold, or judgements on your income tax refund when you file. If your loan is in default the chances are really good that they will get your refund. But ask them if there is anything that stipulates that your refund is attached. If there is do not file until you get it straighten out. You can get an extention and fix the problem if there is one and then file. They also have a new program that you can participate in that in nine month of on time payments they will take you out of default. Usually they will also take off the garnishment after about five month, then you can file. If you are expecting a fair amount that is what I did.
