I retired in May after 26 years in a public school system. I had taken one 6,000 loan out in 2016 due to hardship and then another loan for covid hardship in 2020. They made no mention of an outstanding defaulted loan in 2020. in fact, all of my annuity was with metlife and they split it into two when they sold out to Brighthouse. now they treated these annuity as two separate annuities. It took them months and an OCI involvement to attempt to have my Annuity roll over to another 403B with another company. It took them so long that in fact, a close my account due to no activity. I took an early withdrawal from one account that had the hardship Covid loan.. I was told that Brighthouse account had $28,000 in it. Several times I was told that there was no loan attached to it when I was no longer able to roll over and it had been 10 months of fighting. I asked them to just take a whole lump sum out. The amount I got was $4600, they took out for taxes on the defaulted loan as they used it as a gross amount and they took $17,000 in interest I have more than enough money in both accounts to cover the loan. Once during this entire 10 months, they mention the 17th interest in fact on my quarterly statements the 17,000 is stated as collateral and no interest is written on the metlife. There was collateral of $892.00 and 1100.00 interest. To be the collateral with the over 50% that you needed in order to take out alone in the first place.