Your poor boyfriend! First, his girl is squirming around all night dreaming about being hurt by a mean old man. Then, her first priority upon waking is jamming her hand between her legs and ruining herself with fantasies of that same old man. And finally, just to make the indignity complete, she actually tells the old man about it.
So… good girl. I mean, you’re a terrible girlfriend and should be ashamed of yourself, but… good girl.
As for repayment, there are many things you can do. Just be aware that with interest and penalties, you may never catch up.