What will happen in court today ?

This is my first summons. I took an education loan of Rs. 4 lakh in 2018 from SBI. EMI started in Oct 2021. I've only managed to pay around 1 lakh back till now. My NPA amount is 1.6 lakh rupees. I've been suffering from depression since COVID. However, the scale of depression is just going higher for me as the days go by. I've remained jobless for the last 3 years. It's not that I couldn't get any jobs; I just don't feel the urge to step out of my room and face the world. I wouldn't say all of this to the judge. My plan is to get a job next month and start paying the monthly EMI (10k) at least. I'm just curious, what will happen in court today? What should I be aware of? Thank you in advance.