diff --git a/src/Purrse.Api/Services/LoanService.cs b/src/Purrse.Api/Services/LoanService.cs
index 4e3d4bc..61aaded 100644
--- a/src/Purrse.Api/Services/LoanService.cs
+++ b/src/Purrse.Api/Services/LoanService.cs
@@ -162,7 +162,6 @@ public class LoanService : ILoanService
             .FirstOrDefaultAsync(a => a.Id == accountId && a.UserId == userId)
             ?? throw new KeyNotFoundException("Account not found");
 
-        var originalBalance = Math.Abs(account.Balance);
         var interestRate = account.InterestRate ?? 0;
         var hasSyncData = account.LinkedAccounts.Any() && (account.InterestRate.HasValue || account.Balance != 0);
 
@@ -174,7 +173,7 @@ public class LoanService : ILoanService
             _ => 360
         };
 
-        return new LoanDefaultsResponse(originalBalance, interestRate, termMonths, hasSyncData);
+        return new LoanDefaultsResponse(0, interestRate, termMonths, hasSyncData);
     }
 
     private static List<AmortizationEntry> GenerateAmortizationSchedule(LoanDetail loan)