<prompt> Human: Good morning all!I am a US citizen and my Wife is from the UK; we both currently live in the US. She still has about 26,000 worth of student loan debt in the UK. This is the only debt that we have left to pay off; but we currently have no clue on what the best way is to pay it off. Anyone have any experience or tips on how to pay on her debt without spending a fortune on exchange fees? Some amplifying info on her student loans; interest rate of 1.5 and currently her monthly required payment is 0Thanks in advance!  <response>: Theres a lot of weird advice on this thread. Im a UK graduate living in the US. My uncle also works for student finance back home. Pay what you have to pay not a penny more. As others have said its like a tax, when I worked in the UK I never saw that money it came straight out of my paycheck. As long as you declare your earnings and if you need to pay back the minimum they stipulate you will never run into problems and when she has a job in the UK it will become automated again from her paycheck. It does not affect your credit rating or your ability to get any other loan or mortgage. You should be aware however that the consequences of not informing student finance of your earnings abroad can be severe. My uncle explained to me that after a while they are allowed to sell your debt to third party debt collectors in the country you are residing in to reclaim the money. 