learned your destructive behavior on others and especially, yourself, with great grievous condolence. America may blind you with all their wealth and advancement in many ways, misleading you to strive for material possession as much as possible, that's how success is defied there. Being a Doctor in USA, a 30 million baht is not out of reach, your guarantors who earn less in Thailand can managed it out of their blood and flesh, you, with higher earning should be able to do so. Do you have children? For their sake, please reconsider paying back all your debt, Yes! Your Debt! alone, rightfully yours! So, your children can have a chance in society, one of them could one day become a President, but how would it look on his credential when he is raised by a crooked mother. So please, Doctor, pay your debt and get on with your life, you still have a long way to go, mistake done in the past does not have to persist forever. You might not believe in Karma, but I have live long enough to see it, when timing is ripe, it strikes back in unimaginable way with exponential reciprocation, unavoidable too. I do not resent you as many do, but great grievous condolence indeed !