Education on the verge of becoming npa

I took education loan in 2018 of 750000. My course was masters and 1 year course. My 1st installment was on 01/09/2020 of 8175 rupess . I have not defaulted any payment up until december 2024. My father was my Co-Borrower, he died in 2023 due to cancer. I am an orphan now as i lost both my mother in 2019 itself.i dont have no any asset, no house, no shop, no land and no savings. I am 32 years old unemployed and unmarried. The loan was unsecured. The bank called me to infom that my account is going to become NPA. I am unemployed but looking for a job past 3 months, i might take some time to more to get one and only then i can start paying my loan again. I have informed the bank about my situation and have requested them to suspend emi for few months or moratorium but they have not responded yet. I want to understand if it slips into npa will the bank immediately got for a law suit against me or they will wait for few months? If they wait , then what is the approximate time will it be before they bring the law suit. Also if they go by the DRT route will DRT be have the same rights of filing a law suit or can they only call and ask to pay up? I need serious advice on this. And if they bring law suite what are my options. I have nothing to pay upfront.