I paid my loan off in 7 years instead of 25yrs. I still paid the same amount! So when I got a check from them with a not saying they had been audited and this money was mine of course I was surprised but relieved. I'm disabled and paid off bills with this. Several months later they claim this was insurance money for someone else. The original letter NEVER said anything about insurance! I have no way of paying this back and cannot afford a note which is what I suspect they are trying to do! Just CRUEL!