Legal analysis: You can apply for a refund through negotiation, and try to resolve the issue through negotiation. If the negotiation fails, it can be resolved through petition or litigation. It is recommended to negotiate with the training institution and request to terminate the contract and refund the tuition fee; then use the tuition fee to repay the loan, and negotiate with the lending institution whether the interest can be reduced and paid off in one go.

Legal basis: "The People's Republic of China and the Civil Code"

Article 669: When entering into a loan contract, the borrower shall provide information related to the loan as required by the lender. business activities and financial status.

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