Dropping out of MFin after getting return offer at BB IBD - Will HR Understand?

Hello, so i am at my wits end. Due to a few factors I will not be able to finish my masters program.

Firstly it was advertised as a 1 year MFin course only for me to complete my internship this summer and the college tells me it is only possible to do it in 1 year if you have a very specific STEM background. I start the course and took on as many credits as possible only for me to realise i am severely burnt out, and I am just about passing if not outright failing most of my classes. 

To top it all of someone in my family had covid and my family basically bankrupted itself to keep the person alive so I do not have support from back home which we had planned for initially, and need to get a part time job which is impossible given that I am already failing

I can't do this anymore but I don't want to lose my job. My contract only mentions a bachelors so i guess i can start and do the masters part time in secret but something about that seems weasly and I think the bank wouldnt appreciate that.

Should I tell HR now and hope they have extenuating circumstances? Should i ask the bankers i bonded with over the summer? Would it look like i am incompetent to do the job?

Do you think I should recruit for other banks?