I hate to say it, but they can take it. They do tell you at separation and during that process that if you file a claim within a certain period of time, they can recoup any separation pay from you. It's the way they tell you that many do not understand. They did this to me also and yes got their money back. It is not a loan you sign but the final paperwork during the final processes when you sign that MEB which I was also MEB out. Is it legal for them, YES...doers it suck ass for us, YES 100%. I got out in 1999, got my first claim rated at 10% 2005, finally rated 100% in May by judge( still waiting in final VARO letter and back pay). All back money for me paid off years ago though. Just be happy and feel lucky your fight is over.