Let $M$ be a closed manifold with $\dim M \geq 2$. Let $c: S^1 \to M$ be an embedding (a priori topological, but it can be assumed to be smooth if necessary) which is null-homotopic, and let $K:=c(S^1)$. Is $\iota_*:H_1(M-K) \to H_1(M)$ surjective, where $\iota_*$ is the map induced in homology by the inclusion $M-K \hookrightarrow M$?
If necessary, we can also assume that $\dim M = 2$ (in this case, I would like to avoid the result mentioned here), but I would like a general situation if possible.
This problem is motivated by a way of proving that a null-homotopic loop separates a closed surface in two connected components. The step missing in the argument is the above statement. Although this is the motivation, I am interested in the problem above and not this last one.
A way two see this if $M$ is a $2$-dimensional oriented manifold is to consider a fundamental domain of $M$ which is $2g$-gon and $c(S^1)$ inside the $2g$-gon, $\pi_1(M-c(S^1))$ is the free subgroup generated by $2g$ elements, since $M-c(S^1))$ is the disjoint union of a contractible disc and a surface which retract to the boundary of the $2g$-gon. this implies that $H_1(M-c(S^1))$ is $\mathbb{Z}^{2g}=H_1(M)$.