Need advice: STEM OPT, possible job loss, and unsecured loan

I'm an international student & currently working at a big tech company in the US and was recently put on a 60 days PIP after previously being on a coaching plan. Realistically, I’m not very confident about surviving it, so I’ve started preparing for the possibility of losing my job.

I’m currently on STEM OPT and the biggest concern for me right now is a large unsecured personal loan (around $140k).

I’ve been considering refinancing the loan through SoFi to reduce the monthly burden, but I’m also trying to understand what could happen if I’m unable to continue repayments after leaving the US.

I’m not trying to avoid responsibility — I’m honestly just overwhelmed and trying to understand the legal, financial, credit, and future immigration consequences in the worst-case scenario.

Has anyone here gone through something similar or knows how situations like this are usually handled? Any guidance would really help.