My father has an outstanding personal loan of Rs. 7 lakhs from SBI. Since due to miserable financial condition, he has defaulted many times, his CIBIL score is not good. At present, I am not the only source of my income in my family. In the name of property, we have only one house valuing Rs. 75 lakhs. We have an option of selling this house and take a smaller house for Rs. 45 lakhs, pay off loan and invest the balance for my sister’s education. Please give your opinion.