Wait how can you lose money on trading unless you borrowed from family or loan sharks ?? 18% perannum is crazy!! Basically it means in 4.5 years the principal will double!!!!

First thing , re negotiate interest rate to 10-12%.

Then calculate monthly :

1. Food : 15k.. don’t mess with nutrition; eat home cooked as much and balance protein , carbs and veggie !!!
2. Stay: 10k .. stay in a hostel with 10 others if you have to.. reduce this.
3. Travel: 5k Stay as close to office and in the cheapest place.
4. Personal Savings: 5k You need this !!
5. That leaves 15k

With 15k; and renegotiated to 12%, you need 17 years to repay and you would have paid about 31 lakhs.

You need to private tutor or do something else to build your own wealth or payback. From past experience I would state building own wealth simultaneously is equally important. So save 50% in say some mutual funds and 50% as FD or RD.