What happens if I don’t pay back Sallie Mae while living in Canada?

Hey ya'll,

I'm sure there will be a lot of judgment but lemme explain my situation. I am a US/Canadian dual citizen. In 2019 I cosigned a Salle Mae loan for my wife so she could move to Canada with me. Obviously it would've been more ideal if she finished her degree in the US, but her family is extremely abusive and the alternative was suicide. So I cosigned 115k in student loans which we started repaying in 2022 to the tune of ~1800 USD a month.

In 2023 my wife became disabled after an accident, and has been unable to work ever since. This has put a strain on our finances which has been steadily eating a hole in my savings and credit. Now it's 2026, and finances are really starting to dwindle with no end in sight.

The easiest way to solve our money problems would be to default on the loans. Now of course this results in plenty of issues, with both mine and her US credit score score getting demolished and collections will start harassing us. But if we don't intend on ever moving back to the US, are there any actual consequences beyond collections harrassment that can touch us in Canada? Can they garnish my wages here? Would my credit score in Canada be affected? What if we need to visit the US for a brief time (less than 1 week)?

Obviously before taking the nuclear option I will try talking to their hardship department and demonstrate good faith but I'm not expecting anything from them, especially since we took the GRP after her accident. I also don't expect refinancing to work since I don't make any money in the US, have no US assets, and no one to cosign it other than me.

Any guidance or advice would be appreciated.