Education loan

Took education loan (unsecured) Rs. 53.0 lakh from the private financial institution for my son to study in UK. In July 2025 he went to Glasgow to join the university. In Dec 2025 unfortunately his health was deteriorated (clots in the brain) and got admitted in the Glasgow hospital and got discharged after one month aprox. Insurance was covered for his entire treatment. We paid part payments to the university through the financial institution. He missed the payment reminders to his mobile from the university due to hospitalization. so, University cancelled his admission and deported to India due to non payment of university fee. . Since it was too expensive to stay in Glasgow, he came back to India in April 2026 for further treatment. Now discontinued his education / under treatment, loan repayment - every month Rs. 5000 is auto debiting from my account (First 24 months need to pay Rs. 5000 per month and from 25th month onwards instalment starts (Rs. 1.0lakh) . We utilized only Rs. 23.0 lakh aprox. Is there any way to waive off the loan amount since we are not in a position to repay such a big amount. Please advise