Adjustment Applied to a Loan: Best Practices?

[Dorel Ciornei]

Hi all,I have an old student loan.On a recent statement I saw that I was given an adjustment of $465 (it reduced my total loan by that amount).
Because of the double entry feature, I must chose an account where this money 'came' from:
- Expenses:Education Expenses.Normally I think I should treat this as a 'credit' to the original Education Expenses that this loan paid.
However, when I started tracking expenses in GNUCash, the loan was already a few years old, so after importing it just shows this loan starting with whatever Opening Balance was at that time, and I had no student expenses since that time. If I chose this, it would show that this year I spent minus $465 on education, which technically isn't true.
- Expenses:Adjustment AccountThis is what I chose for now, but it just created a weird -465 total. In fact, any other expense account I chose it will have the same effect of reducing the expenses by this amount. 

What do you guys suggest?
What would be the best way to record this credit? Should I record it back to the Opening Balances Equity?That seems to be a good option, except that the transaction date is going to be 'today', not when the GNU Opening Balances were created.Would that be a problem?
Thank you and I am sorry to take your time with simple questions that probably everyone but me knows the answer.
:-)
Dorel