1. Communicate with the third party: communicate with the third party who received the payment, explain the personal situation and ask for a refund.

2. Determine the refund method: discuss with the third party to determine the refund method. This includes refund by bank transfer, check, etc.

3. Communicate with the lender: contact the lender and explain the personal situation. Tell them that they have reached a refund arrangement with the third party and returned the refund amount to them. Ensure effective communication with lenders and obtain their approval and confirmation.

4. Refund: Go through the refund formalities in the way agreed with the third party. Ensure that you comply with relevant laws and financial regulations, and keep relevant receipts, records and evidence for future reference.