Legal analysis: you can apply for a refund through negotiation and try to solve it through negotiation. If negotiation fails, it can be settled through letters and visits or litigation. It is suggested to negotiate with the training institution to request the termination of the contract and refund the tuition fee; Then use the tuition to repay the loan, and negotiate with the lending institution whether the interest can be reduced and paid off in one lump sum.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.

Article 671 Where the lender fails to provide the loan on the agreed date and amount, thus causing losses to the borrower, it shall compensate for the losses. If the borrower fails to collect the loan according to the agreed date and amount, it shall pay interest according to the agreed date and amount.