Will I Be Chased in Mexico for My Private Student Loan?


Dear Steve,

I am a Canadian who was given a USA private student loan with EdInvest that was then transferred to FirstMark Services, who now has my loan. I owe approximately 21000 USD and I am unable to make the loan payments. I do not live in the USA. I have 2 children and need the money for basic living expenses. I live in Mexico. I have been offered forebearance but this just keeps making the loan larger and I don´t see my financial situation changing any time soon.

What would happen if I didn’t pay?

Can I still travel through the USA or will I get put in jail if I don´t pay the loan?



Dear Deneb,

The reality is they’d have to find you and then bother to see if they wanted to chase you internationally. Up till now, they don’t really seem to do that much.

However, the loan balance will continue to rise as more interest and penalties accrue on the past due balance. You could always be sued in the U.S. and have a judgment against you.

But, all of that said, none of this is going to stop you at the border. Border protection and Homeland Security don’t get involved in civil issues. You would not be put in jail or detained.


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Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
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