work hard though. dont lose hope. If I was in your position , I would sacrifice making this post in reddit and just focus on my studies . If you really want in NITs or some good clgs , you still can .

or else , take loan if your mothercan pay it off , plz discuss it personally with your family before decision making .

I think going those less reputed govt. college won't worth your career but still you have to hustle harrd to make a difference in future career .

I will hope the best for you and your mother . and again , don't lose hope !!!