I can't pretend I understand the financial part, the loan, whether or not she has any right to the funds since you're still legally M-- all of that is totally beyond me-- but why don't you just pay the L the filing fee so that you can be free?
Me (46) H (42) M:14 T:18, D9 & D11 4/19 - 12/19: series of escalating BDs 9/20 - present: R and piecing
