If you've overpaid your loan and there's a credit on your account, here's how refunds are processed:
- If you’ve made a direct payment within the last year, the refund will be sent via ACH to your checking or savings account within 1–3 business days after your loan is paid in full.
- If no direct payments were made in the last year, a check will be mailed to your physical address within 7–10 business days.
- You’ll receive your refund automatically—no action is needed unless your contact information has changed.