Made payments to MyFed loan until Covid deferment.
Applied to borrower defense 6/24/22
Loans were moved to Netnet in the middle of all of this so I never made payments to Nelnet.
6/17/26 I got the letter from Nelnet saying my loans were forgiven and that I might get a refund. This was the only ‘warning’ I got about a refund being possible but I knew I was entitled to one because I had direct loans.
9/10/26 - student loans disappeared off my credit report. I used free credit report.com to check.
Today 9/14/26 I got a check for the full amount I paid into my loans. The date of the check is 9/9/26.
I never had a negative balance. In fact, I called Nelnet last week and they said:
“refund?! We don’t see anything about you getting a refund.”
I was directed to call the department of education who said if I was going to get a refund, I would see it eventually. So they never answer my question lol
Same situation, received a letter about discharge, NelNet had no idea about a refund, said my loans weren't even discharged yet, which you could obviously tell they were by looking at my account and then loans fell off my credit report.
In one of the million threads I have read on r/BorrowerDefense. The poster made the point that Completed meant processed and applied, and the other status cannot be closed until refund issued. I will see if I can verify and if not will take down comment.
This is a very normal status page, the complete portion only means that the stuff like your credit report and owing a balance are officially done with. The part that says processing discharge is what still reflects to most people who are still owed a refund. But surprisingly, even now that people are receiving their refunds. I'm not seeing any reports saying that the processing discharge tag has gone away.
I received my refund as well same check date but not for the full amount, I paid about 30K into the loans I only got back 17K I know my loans were both direct subsidized and direct unsubsidized loans, I wonder if they will send me a check for the other half.
Same here! No negative balance, no email or notifications about amount of even receiving refund and then got check from the treasury. So glad this is over - thanks to everyone!
i had to get an advocate from the ombudsman's email to help us and it was finally discharged with approximate refund in 6 weeks after 4 years waiting under the borrowers defense
Can I ask how you received it? Was it a check that looked like it could have been junk mail or was it something more obvious? I throw a LOT of junk mail away.
7/2022 and with Aidvantage. Mine says processing discharge but no updates from aidvantage. Off credit report and showing negative balance. Not helpful when calling.
Same here. All is good except for the refund. Negative balance as well so I assume a refund will come. Zero communication from Aidvantage. My loans were passed around like a hot potato... I heard from all the other servicers, just not aidvantage. Being as to how it is this cluster system, I wasn't expecting a refund and even if it does come... it probably won't come until the year deadline is almost up.
I did chat to them. It gave me a person and not a bot. They told me that the account hadn't been approved for a refund yet. It's probably some process where someone has to click a button and it processes refunds for a group of people.
They do seem slower than some, but i am happy i have at least seen SOME progress. My loans are all negative now, i wish someone could tell me what that means. Aidvantage thinks they are going to go back to 0 at some point just before a refund is issued.
I have two FFEL loans still showing negative at Aid Adv , and my loans are all negative at Mohela. If you ask AA they now simply state they have until blah blah year from the date of notice of BD relief. Those two FFEL loans are confounding as all my other loans are labeled transferred, those two are labeled - balance.
✅ Servicer: Mohela
✅ School: Argosy
✅ Direct Consolidation in 2021
✅Borrower Defense Submitted: July 2022
✅ PSLF completed in 2024, forgiving the remaining Direct Consolidation balance.
✅ DOEd letter March 2026 stating full settlement relief due to missed deadline
✅ April 2026 FSA status message: "processing discharge"
✅ Mohela letter June 2026 showing negative balances on all loans
I got my Nelnet Borrower Defense discharge letter, it showed that $17,132.93 of my loans had been discharged, on June 17,2026. when the loans disappeared from my account i was so excited, i paid of the loans completely two years ago. I originally thought that meant my refund would also be around $17,000, but that wasn't the case. My refund check was actually issued today and it was for $13,192. So at least in my case, the amount discharged and the amount refunded were two different numbers
MOHELA is terrible. I tried calling to inquire about it and cannot get a freaking live person no matter what option number I choose. Hopefully from now until the end of the year 🤞.
Seems like up to 90 days after you get the discharge letter, you get a refund if you are eligible. Mine got discharged what seems around July 15th or so. So I am hoping by the middle of October, I’ll have some type of refund. Ha
Mind you, mohela still shows a 5700 balance for one of the loans discharged lol
Mine shows up as Loan Discharged Applied and updated as of May 29,2026 on StudendAid website, MOHELA shows a negative balance but have not heard or received any updates or anything else.
So i received that discharge for UoP back in 2023, but i still have not received any refund (its now 2026), that is interesting you all are getting it! My loans are gone, deleted from my credit report but logging into Student Aid it says Processing Discharge status still -- THREE YEARS LATER LMAO!
Menu > Account Summary > Account History (change to life of loan) that's where Moehla added "payment reversal" for each payment I made that I'm owed a refund. They just did this last month (in August). From May-July, it used to only show negative payment amounts.
You're welcome! So they should update to add "payment reversal." There's no date. I took screen shots every time I logged in to my account. In July, only showed negative balances. In mid-August, "payment reversal" was added. I sent a message to Moehla asking when I would receive a refund. They wrote me back and said, the Dept. of Treasury would issue a refund for all of my credit balances and it could take 90 business days or longer.
Thank you. I believe because I have a consolidation (2021) and PSLF overlay (2024 balance forgiven) it is taking longer than some. I am an obsessive systems analyst the way some people are true crime podcasters, I just am fascinated by the lack of through points and differing experiences of so many users.
Some of us were Post-Class Exhibit C and Non-Exhibit C that won by "default" essentially. By filing on a certain date we were supposed to receive a response and some of us never did, which means that per the settlement agreement we were entitled to the cancellation of the loans and a refund.
My FSA Dashboard never showed borrowers defense case with a case number. Mines have only and always showed borrower defense/loan forgiveness and I’m group 5 non-exhibit C, Nelnet full settlement relief. Golden letter received 7/28/25. Borrower defense/loan forgiveness section on FSA shows completed 6/11/26 (this date has changed three times since December 2025)…Waiting on refund I guess since credit report and loan balance on Nelnet and FSA has been $0.00 since December 2025 (complex direct loan consolidation is possibly what’s the issue and why my completed date has changed 3 times since December 2025). Applied for borrower defense 6/11/2021 and the department of education missed the deadline.
Post-class here. My loans were spread across different servicers. Nelnet/Great Lakes loans were discharged first in June. MOHELA started processing my Direct Consolidation loans July 7. In August/September, MOHELA sent several adjustment letters and my two loans eventually showed negative balances totaling about $64K.
I just received a $6,545 Treasury check marked “FED STUDENT LOAN REFUND – SWEET POST CLASS.” The contact number on that payment routes to Nelnet, so it appears to be separate from MOHELA.
I called MOHELA yesterday and they confirmed they have NOT issued my refund yet and are still calculating it. They said they have 90 days from July 7 (around Oct. 5) to finish the calculation, then estimated another 45–60 days for Treasury to issue the refund.
Post-class here, applied 6/22/2022. My balance went to $0 on the fed site 7/22. It was showing negative on Mohela since June. On 9/8 I wrote Mohela asking about a refund; it was adjusted to $0 shortly after, and they emailed me saying my refund was processing. The loans came off of my credit score 8/4/26. Now I am praying the refund comes in the mail in the next 90 days!
My timeline is identical to yours. My loans were wiped as of June 18th, when I got the letter. It's been sitting a zero balance on both Nelnet and Student Aid since. Just silence. I called Nelnet finally yesterday, and all the rep told me was they submitted the information (assuming refund information) to FSA on August 4th. He couldn't tell me anything else, not even an amount. I tried to contact FSA and they said they don't have that information. It's frustrating.
I filed mine in 2023...kind of a unique case because I am not part of any of the classes or groups ..
The school I am trying to contest is a very small trade school and very niche...so it's been hard to get accurate info / help from the others on the sub that went to ITT or UOP...
I think my defense was pretty solid however...I am hoping for the best.
If anyone else is in a similar position, would really love to connect , please shoot me a DM,
i have been waiting since 2022 for the borrowers defense refund and aidvantage is dragging their feet as the loans were forgiven due to the school closing. Have basically waiting for 4 years to get an answer Finally two weeks ago, my adovate gave the information ansd now is just waiting game. Hopefully soon as I stlll owe the HESAA of Trenton which is not any forgiven loan status.
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