*stephen receives a check in the mail as a refund for his loan payments. tony had not only paid off his remaining balance, he paid back the entire balance. so stephen's loan financer had to return all payments he had made since he originally took out the loans. yes, for all seven surgeries, including interest. the refund check includes a note on the memo lines that reads 'You don't have to keep it. Just remember I owe you one.'*
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