<prompt> Human: I owe 19,255 to SoFi for a private student loan and also have 55k in federal loans. I have moved to Canada and have permanent residence here, and honestly cant afford to send almost 1000 CAD to my US account every month to be able to keep paying my loans. Ive stopped paying on one credit card and have a negative mark on my credit report from a hospital bill I never even knew about, so I feel like I dont really have a lot of options anyway. I dont want to default on federal loan cause I know they can probably get me one way or another here in Canada, but am honestly considering defaulting on SoFi loan. Has anyone done this with SoFi? Any advice would be greatly appreciated!  <response>: But you owe the money. The more you stop paying on things, the worse your credit is going to get. 