[PAR35]

I got $25,000 emergency funds and now 3 years later they have decided it was a loan

Look carefully at the paperwork you signed. I'm betting there are loan documents in there somewhere. I haven't looked at things in a couple of decades, but it used to be the first $1000 from FEMA was free money. Until you got more through the SBA's ODA, at which point the first $1000 was rolled into the loan.

Now, the SBA can be (or at least was) sloppy with its documentation, so you might want a lawyer in your state to look at the documents.

[AuntB]

I was living in a car!
I never signed anything for a $25,000 loan!

[AuntB]

I never in over 3 years got a notice.. nothing!!!

You people don’t get it do you??