Mark you as a scammer... Until you repay the debt, which shouldn't be that long in the future based on what you're saying about yourself.
Why would they be marked as a scammer? If they are actively trying to repay the loan, they are not scamming (not to mention its possible they default and the loan is a bust, not a scam), they are simply behind on payments (in which case they should pay a premium to the lender for the delay).