Education loan

The lender can initiate proceedings to recover..

Same matter;

https://www.lawyersclubindia.com/forum/Summons-178108.asp

Approach your own very able senior LOCAL counsel of unshakable repute and integrity specializing in consumer/civil  matters and having successful track record ….. and worth his/her salt …and discuss in person and even with seasoned PIP , retired personnel from banks legal cells, to draft as per facts of the matter and proceed in best of your interest.. ….

LCI Experts Mr. Rajendra K Goyal, Mr. Parthasarthy Longanathan, Mr. Mallipedi Jaggarao are from Banks legal cells/banks

If you wish you may get in touch with them..