Loan settlement request

Hi i took loan of 64000 sar in june 2022 then i paid intallment regaular two months after that i went fr emergency leave n due to that i was unreachable fr some time but after 1 year i came back in new visa i sava a case of travel ban  i tashleel book the whole package 88000 sar to pay wich is increacing in terms and wen i requested for settelement  n told them about my problems n fincial condition that i can repay 45000 sar at my best but they denied n said i need to settle full n for that i need again threee year  wer i can get help ????? can some 1 guide n help me