 |
| Student Loan Double Charge Refund |
If you've ever been double charged during a student loan repayment in Nigeria—whether through the Nelfund loan portal or a bank-linked student loan—you’re not alone. In 2025, complaints about duplicate deductions are becoming more common due to bank errors, system glitches, or multiple auto-debits.
This guide walks you through how to quickly request and receive a refund for a double-charged student loan payment, including useful links to take action immediately.
What Is a Student Loan Double Charge?
A double charge happens when you're debited twice for the same repayment installment. This can occur via:
- Direct debit setup through your bank
- In-app payments on the Nelfund Student Loan Portal
- Third-party payment processors like Remita or Paystack
- Bank mobile apps or USSD commands
Causes of Double Loan Charges in Nigeria
Common reasons include:
- Payment gateway errors (especially during network fluctuations)
- Auto-debit activated on more than one channel
- Manual payment made before auto-debit processes
- Delay in server acknowledgment from the NELFUND or bank
How to Request a Student Loan Refund for Duplicate Charges
If you've been double debited for a student loan, follow these steps:
Step 1: Get Your Transaction Details
Obtain all relevant details, including:
- Both debit alerts or transaction receipts
- Date and time of the payment
- Payment channel used (bank app, USSD, or NELFUND portal)
Step 2: Report to NELFUND (If Applicable)
If the double charge occurred via the Nigerian Education Loan Fund, contact NELFUND directly through the official portal: 👉 Nelfund Student Loan Contact Page
You can also email them at: support@nelf.gov.ng
Step 3: File a Complaint with Your Bank
Visit your bank (or mobile app) and lodge a complaint with:
- Proof of both deductions
- Request for a chargeback or refund
- Timeline of the transaction
Most Nigerian banks will resolve reversal within 3–7 working days.
Step 4: Contact Payment Gateways (If Used)
If your payment went through a platform like Remita or Paystack, contact their support:
Sample Complaint Format for Refund (You Can Copy)
Subject: Request for Refund – Double Debit on Student Loan Payment
Dear [Bank/NELFUND Support],
I wish to report a duplicate debit on my student loan payment made on [Date]. My account was debited twice for the same loan installment of ₦[Amount].
Attached are the transaction references:
1. [Reference Number 1]
2. [Reference Number 2]
Kindly investigate and refund the excess charge. Thank you.
Sincerely,
[Your Full Name]
[Account Number/Student ID]
What If They Don’t Respond?
If no resolution after 7 working days, escalate to:
- CBN Consumer Protection Department
- FCCPC Nigeria (for unfair financial practices)
Final Thoughts
A student loan double charge refund is not the end of the world—but acting fast helps. Document every step and contact the right support channels through the Nelfund portal, your bank, or trusted processors like Remita and Paystack.
Make sure to regularly monitor your repayment channels to avoid duplicate charges in the future.
 ){kind=link}