Help, Im such an idiot

Me (21M) currently needs a pbb bank acc to apply ptptn for my degree and my dumb younger self (approx2-3yrs ago) was so money hungry that i started to do some illegal stuff w my old pbb account and it got closed and Im blacklisted in pbb. Now I cant apply ptptn and do other saving/investment plans w pbb. I really need the ptptn as parents are not going to fully fund my studies and idk what else to do. I really hope someone can advice on how to overturn the situation or help in any way for now and future.

Sorry if this is not allowed, just a teen that regrets his terrible decisions and would do anything to fix it.