Is a bank loan with interest considered usury, given the unavailability of Islamic banks and the need to repay debts?

A loan with an increase is a type of forbidden usury (riba). What the questioner mentioned, regarding the absence of Islamic banks or the difficulty in settling debts, is not a justification for committing this grave sin. What is incumbent upon her now is to annul the contract and return the money to the bank if possible. Otherwise, she should repay her debt and repent to Allah, resolving not to return to this disobedience, bearing in mind that she is only required to return the principal amount without the interest.