How can we regularize npa loan

I had borrowed an Education Loan for my undergraduate course and after that i had pursued CS . I didnt have proper income to pay back the education loan. The loan was borrowed in 2007. I finished undergrad in 2010 and CS in 2016 june. However the bank has treated the said education loan as NPA. How can i now make it regular. Can i take a stand and say that i have just completed my education and started earning ? Due to this NPA my credit rating is effect. Please guide me