So PatrickHarnett should either refund 50% of the loan on his own funds or get a scammer tag, because right now, I see only one party bearing the cost of what you argue (and which I do not argue one way or another) is a shared mistake.
A 50% refund would certainly be one equitable resolution of the mistake. It's not the only one.
Patrick claims he has been making reasonable payments on all his outstanding debt. I have no idea how much debt he has outstanding or what kinds of payments he has been making.
I agree that a scammer tag would be completely appropriate if Patrick has been making unreasonably small payments on any of his outstanding debts, hasn't been open about his repayment schedule, hasn't been keeping his repayment schedule, or has proposed an unreasonable repayment schedule.
It's entirely possible that Patrick can't, or won't, cover his fair share of these losses. Whether that's due to intentional fraud or just lack of resources despite his best efforts, I absolutely agree it would justify a scammer tag.