The so-called "repayment exemption agreement" does not require repayment, and it may get a return, only from some intermediaries in society, not banks. Signing such agreements not only needs to "sacrifice" personal reputation, but also may lead to legal disputes if handled carelessly.
If you sign a "repayment exemption agreement", you don't have to repay, you can only sign with the bank that issued the loan and read the relevant terms clearly. This kind of agreement is professional, and you should consult a lawyer if necessary. If a bank loan exemption agreement is signed with an intermediary, once the bank recovers, such an agreement will be deemed invalid, and it may also be suspected of "fraud", and it will not only bear the repayment responsibility, but also bear the legal responsibility.