<prompt> Human: Hi Reddit,Sorry for the long post, but I really need some help and dont know where to turn. Hope this is the right subreddit.The problem is my fiancés finances. To give a bit of background, she is American and I am British. She came over to the UK to do her masters about 10 years ago, and has been here ever since. She also has suffered from major episodes of depression, and I just havent been able to even talk to her about these issues as all my energy has been put into helping her through this. Things are getting better now though, and I want to try and get the finances problems sorted!There are two major problems, which may or may not be connected. 1Her student loan - She had a student loan from her time at university in the US I cannot believe how much tuition is for you guys. She was paying this regularly when we met, but got increasingly frustrated by the student loan companies incompetence and inability to understand that she was paying from a foreign bank account. At some point when they had failed to record her new details for about the 12th time she just stopped paying, waiting for them to get in touch. But as they couldnt seem to record her new details they never did, and she foolishly never started paying again. 2 Her taxes She has not paid US taxes since she has been in the UK. In this case, she has absolutely no idea she is supposed to have. I didnt know either we dont have that system and only found out recently through a friend. I want to try and start solving these two problems. On taxes, Ive looked into it and if she had only been submitting her forms she would never have been eligible to pay anything she is a charity worker, and has never earned over the threshold. I have found the forms that would need to be submitted and as she has always worked on PAYE here our tax office have a complete record of her earnings since she has been in the UK which we could provide. I thought we should just write to the IRS and explain, with all the forms filled out for each year and explaining that it has been a genuine mistake. However, I do not know if this will fly because of her outstanding student loans. Is this ever written off? Is it linked to the IRS? I tried to contact a company in the US that helps students who have defaulted but they wouldnt talk to me as its not about me. I could really do with some advice here on how to properly deal with lack of tax forms over the years, and how I deal with the student loan. I want to have some practical steps when I bring this up with my fiancé as she has come so far and I dont want the stress of this to trigger a setback. Thanks for reading. Sorry its long. EDIT: Thank you to everyone who replied. It has helped a lot, even if just giving me a bit of confidence over the next steps and how I need to raise it. Further advice still welcome though!  <response>: Are you guys planning to move back to the US? The student loan company cant really do anything to her in Britain.She should just go ahead and file her back taxes; that isnt related to her defaulted student loan. According to you, she never owed anything, so just submit the forms. Consider getting help from an accountant with experience filing American taxes. 