Carl, a Florida native now living overseas, is afraid to move back to the United States. That's because he can't afford to pay his student loans.
Carl (who doesn't want his last name used) stopped making his $450 monthly payments after his family incurred some unexpected medical expenses, and his $55,000 private loans went into default. That's when the phone calls from debt collectors started, and Carl decided not to come back.
"It was made clear that if I ever came home, I'm screwed," says Carl.