While it may not be possible to give an accurate answer on the basis of limited facts, without having seen the detailed papers of the case, I may state that, generally speaking, the loan has to be repaid by the persons who have taken the loan or who are the guarantors of the loan. If any property has been given as security to the loan, it can be recovered from the property. If there are several co-applicants to the loan, i.e., if several persons have taken the loan together (as you appear to be saying), then it is the joint responsibility of such co-applicants to repay the loan. If one person repays the loan single-handedly, then he may, generally speaking, recover the corresponding shares from other co-applicants, subject to the terms of the loan and subject to their mutual understanding.
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