1. Stop repayment: If you are sure that you have been cheated, you can stop repayment first to avoid being cheated.
2. Negotiate with koala student aid: You can contact koala student aid customer service, explain the situation, and request to cancel the installment bill or refund. If koalas agree to help students, they can negotiate with them for installment payment or full refund.
3. Seek legal aid: If negotiation with koala to help students fails, you can seek legal aid and safeguard your rights and interests through legal means. You can consult local consumer associations or lawyers for relevant help and guidance.