Effective Date: October 23, 2026
This Refund & Chargeback Policy (“Policy”) governs all purchases of services and products from LoanSense. By purchasing any LoanSense service, you acknowledge that you have read, understood, and agreed to be legally bound by the terms outlined below.
1. No Guarantee of Outcomes
LoanSense provides advisory, technology, and document preparation services. We do not guarantee:
You are solely responsible for reviewing, signing, and submitting your own applications and forms to your loan servicer or the U.S. Department of Education. LoanSense coaches provide guidance and review, but LoanSense does not submit applications on your behalf. LoanSense is not liable for errors not identified by the client prior to submission.
2. LoanSense Discretionary to Stop Service & Refund
LoanSense reserves the right, at its sole discretion and based on its professional assessment and experience servicing clients, to determine that it is unable to provide meaningful or appropriate services to a client.
In such cases, LoanSense may:
Any such refund:
Is not guaranteed and remains entirely at LoanSense’s discretion.Must still comply with the 90-day merchant processing limitation outlined below
3) Limited 48-Hour Refund Window
All purchases are final, except as expressly provided below.
A refund may be requested within 48 hours of the original purchase, only if no services have been rendered.
"Services rendered" include, but are not limited to:
Your free student loan review and any borrower defense review take place before purchase and are not services rendered. Scheduling or attending a review does not affect your refund eligibility.
If any service has been rendered, no refund will be issued, regardless of timing. All approved refunds are subject to a $29 administration and merchant processing fee.
4) Borrower Defense Review Fee
Borrower defense reviews require a $29 fee at the time of booking. This fee is refunded in full after you attend your scheduled review. If you need a different time, you must reschedule at least 24 hours before your appointment for the fee to remain refundable. If you miss your appointment, or reschedule less than 24 hours before it, the $29 fee is non-refundable.
4) Borrower Defense Coaching Sessions
Borrower defense coaching is sold and paid for one session at a time, up to four sessions. You pay for each session when you book it, and you may stop at any time without paying for sessions you have not booked. A session fee is refunded if you cancel at least [24 hours] before that session. Once a session takes place, its fee is non-refundable.
4. Strict Non-Refundability After 48 Hours
After 48 hours from the time of purchase:
This applies regardless of:
5. Merchant Processing Limitation (90-Day Rule)
All refunds, including those issued at LoanSense’s discretion, must be processed within 90 days (3 months) of the original transaction date.
After 90 days:
LoanSense is technically and legally unable to process refunds through its payment processors
No exceptions will be made under any circumstances.
6. Chargeback & Payment Dispute Policy
By completing your purchase, you expressly agree to waive your right to initiate a chargeback or payment dispute with your bank or payment provider after the 48-hour refund window.
In the event of a chargeback or dispute:
LoanSense reserves the right to contest the dispute with all supporting documentation, including proof of service delivery and acceptance of this Policy
- You agree to be responsible for any fees, penalties, or costs incurred by LoanSense as a result of the dispute
7. Client Responsibility & Misrepresentation
You are solely responsible for the accuracy of all information provided.
No refunds will be issued in cases involving:
8. Installment & Subscription Agreements
Your coach explains your price during your review, and we send you a secure payment link that sets out your payment agreement, including your total price and any installment schedule, before you pay. All installment plans and subscription-based services constitute a binding financial agreement.
By enrolling, you agree:
Annual plans renew automatically each year at the price stated in your payment agreement until you cancel. We email you 7 days before each renewal, and you may cancel at any time before the renewal charge by emailing hello@myloansense.com. Annual plan fees are non-refundable once charged.
9. Lender Policy (Non-Refundable)
All lender-related products are strictly non-refundable:
LoanSense does not enter into reseller agreements and retains full control over its pricing and service delivery.
10. Third-Party & Servicer Disclaimer
LoanSense is not responsible for the actions, decisions, or delays of any third party, including federal loan servicers or government agencies.
You acknowledge that:
12. Contact
For questions or formal requests within the eligible refund period, contact:
hello@myloansense.com
LoanSense Management