I have availed an education loan from SBI on 2009 for my B.Tech for an amount of 4 lakhs. I have only utilised 3 lakhs from the sanctioned limit. However after completing graduation Iin 2013 couldn't land a decent job, but I had a good opportunity for post graduation and completed M.Tech on 2015 with family funds. Even after post graduation I couldn't get a job for a long time and I landed with a decent private job on October 2016. Since I was not employed I couldn't pay dues, my family has paid a little amount of 40000 for the loan availed. And when they went for paying bank said the case is moved to reliance arc and wait till they address you for recovery. Now in July 2019 I am getting notices through mail from reliance arc to settle on one time paying 8 lakhs or else garnishee order will be invoked from income drawn from my emoloyer. I don't have such huge money to pay and also my family will be unable to support me. Suggest a solution for me. I have 1 lakh savings and another 1 lakh can be arranged by me. I have other loan dues and no amount of salary I receive remains unutilized by month end. I may not be able to cover with other loans also.