Your reputation here would be cleared to some extent if you pay back what you owe. Nobody here actually know what happened in your life so no point sharing it too or trying to prove it and end up doxxing yourself.
The problem with not revealing that reason though is the fact that we might not believe whatever OP is trying to say about the repayment of the loan and I think that in his point of view, he's trying to give out some kind of reason for the long absence, that's how I think this one is, hopefully he'd pay though and @shasan will have a payday, hopefully the interests accrued would be paid too.