I can understand what exactly you are going through right now as its not a comfortable situation and the banks are not in any position to understand your explanation even if you were to accord them one, but I also want to let you understand that people don't kill themselves just because they went to school and were given assignments that seemed difficult to solve from the question. Remember you are not the first student in that school and you're not the only student who didn't get the answers right on the first attempt.

Just get the formula for the test that life has thrown to you and solve it by applying the formula, your basic assignment now should be to search for the formula just as you would if you were given a complex mathematical question, search everywhere you know you can get the formula and get it solved and also note that there are many more of these kinda of life's assigments that will come up tomorrow and suicide is never and option and has never birthed any solution.