FNB worst student loan department and not willing to help during COVID-19 pandemic - Disgusting

I am so frustrated and drained trying to resolve my Student Loan matter. I have never dealt with such unprofessional and *********** people. I am currently on unpaid leave due to COVID-19. My FNB student loan payment includes an amount towards insurance, I know I am entitled to some sort of payment relief under these circumstance. I called to initiate the process over 2 weeks ago with no luck. FNB refuses to assist me. My father who is surety just had a stroke and trying to call and get help but they are not willing to assist with payment holiday/relief. Then tell my FNB, WHY DO I EVEN HAVE INSURANCE ON THESE PAYMENTS? I am defiantly going to default this month due to no salary and my father who is pensioner barely surviving, wont be able to cover the payment. When we call we just get put through to so many different departments without help or worse they just put down on you! I then begged my father to use his little bit of pension money to help me settle this loan, he then asked for a settlement letter and FNB advised my father that my account currently stands at R144,264.49, and they only willing to settle on R142,344.87, which is only a R1,919.62 discount? surely this can't be right? I have never missed a payment and this is how FNB treats its customers? disgusting! and what must I do not now? just default and get nasty messages from FNB when I have tried to ask for payment relief to which I am entitled to as I do pay the insurance! disgusting. I cant wait to leave FNB!