If you are on H1B, and lose status and leave the country, and don't intend to come back, do you really need to pay car or house loans? Be nice and mail in the keys, but how are they going to collect anything else? I assume someone in that situation would cash out their us accounts as they're leaving.
Education debt may be different, there's a good chance that was incurred in the country of origin, so it's likely the lender has recourse.
people who get laid off have to leave the country, but mostly they have every intention to come back. So they try to settle everything, leave the country and try to comeback again.
One of my friends left US to get married, but his visa was denied. He had to sell all the stuff, cars remotely (with friends help) and it took whole 6 years to come back (because of the visa quotas, denials etc). But he eventually was successful in returning and it's good he settled all his debt when he was kicked out with a visa denial.
Education debt may be different, there's a good chance that was incurred in the country of origin, so it's likely the lender has recourse.