Does requesting a reduction in the installment amount from the bank to cover medical expenses and improve social conditions invalidate one's repentance, especially since the borrower is compelled to do so and unable to save?

Borrowing a usurious loan is a grave error and religiously forbidden. It is considered one of the greatest sins, and the Prophet, peace and blessings be upon him, cursed the one who consumes usury, its giver, its scribe, and its two witnesses. It is not permissible to engage in it except out of necessity that permits the forbidden, which is a situation where one fears perishing or severe hardship, or is unable to secure the minimum means of livelihood.

If the borrower repents from usury, he must remain steadfast in his repentance and seek lawful ways to obtain money, such as Islamic banks, benevolent loans, or permissible Tawarruq, and he must supplicate frequently. However, if the situation reaches the extreme necessity that permits the forbidden, then there is no blame upon him, and this is not considered a breach of repentance.