In 2009, I borrowed Rs. 3, 00,000 as education loan from Bank of Baroda. I started repaying from 2013 with Rs. 13,800 EMI. As my financial condition is little stressed these days, I requested the bank to reduce my EMIs for a year. But they refused to do so. My total earnings in a month are Rs. 12,000 only. Please give me a solution to reduce my EMIs.