<p>The bank doesn’t need to sue you for fraud if you don’t pay, it could simply sue you for not paying. Creditors don’t need a motive for why you didn’t pay the loan, and they don’t care. That’s not the issue. The issue is whether the bank (for a private loan) would attempt to collect from you if you are out of the country. Most would not, but would just wait for the debtor to return to the US.</p>