<prompt> Human: Hello Reddit,I have been paying off a loan to Sallie Mae that I never actually owed. Ill try to add as much backstory as I can: In 2014, I was 22 and debating major life decisions at college. I had already fulfilled the requirements for my first major at college, but I was highly considering going another semester to get a second major. 1 In my inner debate, I requested a student loan for safety. Got Accepted. 2 Changed my mind and decided to just end my academic career. I would not need the student loan. 3 I leave, go live a normal life. I make payments on both my federal loans and Private loans.4 Soon Sallie Mae updates their site - they now show the date of disbursements of the loan. Regardless, not thinking anything nefarious, I continue to pay. Im naive, stupid, and just scared of screwing up my credit. 5 One day when paying, I stare at the dates and realize that something doesnt add up. Long behold, I call my old college, get an invoice and realize I was correct. I have been paying a loan that I never owed. There is no record of this loan ever being disbursed at my college. 6 Im guessing that Sallie Mae charged me for the private loan that I never actually used. Ive practically paid it all off at this point. With so many loans that college requires, I guess I got lost it in all. Is there anything I can do to get my money back? I still have one more loan with sallie mae that I owe and I have no idea what options I should take. TLDR: I have been paying a student loan that is not on my Universities Invoice. The loan was never disbursed or given to me. What can I do? Can I get the money back?  <response>: This might be a good question for rlegaladvice 