I was cheated by an educational institution to study, saying that I borrowed 22,800 yuan from the class stack for the package distribution work. As a result, the company closed down and learned nothing. Should I repay the loan? You must repay this loan. Because the lending institution gives you money in person. It has nothing to do with the fact that educational institutions have not closed down. If you can prove that the matchmaking agency and the lending institution are partners in fraud, you can also report the case and not return it. If there is no evidence that they colluded in fraud, then you must pay back.