All perfect praise be to Allah, The Lord of the Worlds. I testify that there is none worthy of worship except Allah, and that Muhammad is His slave and Messenger.
You should know that taking a Riba-based loan is one of the gravest sins. It is impermissible to take such a loan unless there is a valid necessity like the fear of death.
If you took a Riba-based loan and there was no necessity for it, it is incumbent on you to repent to Allah, The Almighty.
In any case, you have to return the principal amount of the loan that you took; it is a debt that you owe, and it is incumbent on you to repay it whenever you can afford it. If your wealth is not sufficient to pay off the debt, and you are able to work and earn money, it is obligatory on you to do so to repay the debt. Muhammad ibn Al-Hasan Ash-Shaybaani said in his book Al-Kasb: "If a person is in debt, it is obligatory on him to earn enough money to repay his debt because paying off the debt is an individual obligation required of him." [End of quote]
If you are unable to pay off your debt after utilizing all the available means and your intention was to repay it, you bear no sin for that. If you die before repaying it, we hope that you would not bear the consequences of this debt in the Hereafter.
Al-Haafith Ibn Hajar said in Fat-h Al-Baari: "It was narrated on the authority of Maymoonah that the Prophet, sallallaahu ‘alayhi wa sallam, said: 'There is no Muslim who takes out a loan and Allah knows that he intends to repay it but that Allah will repay it on his behalf in this worldly life.' [Ibn Maajah, Ibn Hibbaan and Al-Haakim] The apparent indication of the Hadeeth refers to the famous Fiqhi issue of a debtor who dies before repaying his debt without any neglect on his part, as is the case if he becomes insolvent or dies abruptly while having hidden wealth, for example, and his intention was to repay his debt, and it was not repaid on his behalf in this worldly life. The Hadeeth narrated by Maymoonah may be interpreted according to what is common in this regard. The preponderant opinion is that he will not be held accountable for the non-repayment in the Hereafter in this case..." [End of quote]
As for a deceitful person who cheats people out of their money, he is sinful in all cases.
Allah Knows best.