Charged for Funds Not Disbursed & Confidential Medical Letter Shared Without Consent

I am honestly very stressed and overwhelmed by how my student loan has been handled by Manati.

I am being asked to repay the full loan amount including funds that were never disbursed to me. I fully accept responsibility for the portion that was actually paid out and am willing to settle the difference between the amount I paid and what they paid once I am employed. However I do not understand why I am being held liable for money I never received especially when I am already struggling financially and have no support.

I took this loan to further my education and improve my future but instead it has caused severe stress and worsened my mental health. I informed Manati that I was resigning due to mental health reasons and provided a letter from my psychologist because they required a valid reason to cancel the loan. I was later told by my school that Manati shared my psychologist’s confidential letter with them without my knowledge or consent. This contained sensitive medical information and felt like a serious violation of my privacy.

After receiving late night calls and being pressured to choose between cancelling or restructuring, I chose to cancel. Weeks later, I was informed that my cancellation request was denied and that I am liable for the full loan amount, including funds not disbursed.

This situation has taken a serious toll on me. The pressure to pay an incorrect amount is worsening my anxiety and I feel completely unheard.

I am asking for a proper review of my account ,a clear breakdown of what was actually disbursed, correction of the balance to reflect only what I truly received, and an explanation for why my confidential medical information was shared without my consent.

Students, please be cautious.