Worst cases:
1. Find an indian consultancy. They will gladly file for your H1-B next year.
2. I dont know what your major is but I've heard it has taken 5 years for some to get a PhD. Your credit history starts from scratch in 7. So u can always come back and continue with your PhD and nevermind the student loans. After having a PhD in hand, 2 years without good credit wont hurt much.

There might be more to your story but moral issues aside I'd say go with option 2.