Education Loan of my Husband

Education loan in the name of my husband Tarun Kumar for Rs.406900/- sanctioned by the Bank on 2007 for MBA (IIPM ), two year course in IIPM, New Delhi. Loan disbursed by the bank semester wise and course completed and joined his first job in 2009 and started paying his EMI from 17/3/2009. But due to family liabilities (wife and son) he was not regular for this EMIs gue to which interest part increased and loan amount also increased. Loan became NPA on as per bank details. He has already paid rs. 593000 on dated 24/12/2018 in past app. 10 years but he received legal notice from local court that he has to appear on Nainital court on dated 9.3.2019 and loan amount of Rs.584168 /- is balanced paid amount till date and he has to pay and settlement the issue in court. This amount at once he can not pay. He has already paid extra amount which he has taken from the Bank Now, my questions are as under :- 1. Can we reschedule the loan, as per RBI guidelines is there. 2. Loan became NPA on Dec 2018 but bank not informed him and send legal notice on 7/3/2019 and overdue amount gone up. If intimated in Dec.,2018 he could pay lower overdue amount and amount may be rescheduled. 3. Should I file a petition under RTI act to know in how many cases of NPA bank has filed case, because I think that bank is harassing me intentionally. (we can go for RTI and should talk to Advocate) 4.At last, please advice what should I do in this situation ? My husband is in a mental trauma due to over burden of family expenses and tensions of his NPA accounts and he dont want to suffer his parents for it. As we live in Ghaziabad and he has to rush to Nainital for this legal notice. Thanks & Regards, Nidhi