In plain words
Your heart has four rooms. The two at the top are separated by a thin wall called the septum. An atrial septal defect means that wall didn’t finish closing — so there’s an opening between them.
Blood that has already been to the lungs slips back through the hole and goes around again. Nothing is leaking out of your body. Nothing is torn. Your heart is doing extra laps, not falling apart.
Many people carry one for decades without knowing. It’s often found by accident, or because the extra work finally started to show up as breathlessness, tiredness or a fluttering heartbeat.
Whether it needs closing depends on how big it is, where it sits, and whether the right side of your heart has started to stretch. That’s a real decision with real criteria — not a coin toss, and not an emergency you have to solve tonight.