Whether you will get a loan or not after clearing your default status depends on your credit score and rating. Loaning institution will consider your credit score and other financial factors to decide whether you are eligible for a loan.
Kindly consider requesting the hospital management if they are open to releasing your sister under the agreement that you will pay the bill in installments. They may be open to such suggestions.
You will be placed to the course and institution you applied for based on merit. If you miss a chance in the course your applied for, then you will placed in any course.
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