The IRS allows you to take money out of your income tax refund if you are in financial trouble. These loans are called state tax offset programs. When you are having financial problems and don't have enough money to pay all of your bills, you can apply for a state tax refund offset. To qualify, you need to file an income tax return.

The IRS will send you a letter telling you that the state has Arizona charitable tax credit paid back some of your money. Then you will have to file an application for the state tax offset program with the Arizona Department of Revenue.

In order to be eligible, you need to show the IRS and the Arizona Department of Revenue that you are in financial distress. This means that you will need to submit a statement that explains why you need the state tax offset program.

Also, your application needs to show that you have been paying your taxes on time. Once you file your application, the Arizona Department of Revenue will give you an estimated amount that you will receive when your tax return is filed.

You will also be given a due date for filing your tax return. Your application can be approved for up to five years. You will be able to borrow the money that the state sends you even if you are in the middle of the loan repayment period.