I borrowed money, but now I have no money to pay back. What should I do now that I am a U.S. citizen?

1. "Do I need to go to jail for a debt of 200,000? Is there no way the U.S. government can help?":

(1) What do you mean by "go to jail"? Does it refer to criminal liability or detention? If you have property but refuse to repay it after the judgment is made, you may be detained by the judiciary or prosecuted for the crime of refusing to fulfill the judgment, and you may be "imprisoned."

But if you actively repay the debt after the judgment: This is only a civil dispute and does not require "jail".

(2) The U.S. government can only manage matters within the territory of the United States. It has no jurisdiction over civil cases in China. Because ordinary Americans do not have jurisdictional immunity in civil or criminal cases within Chinese territory.

2. "What legal consequences will he have as a foreigner now?": He will bear the same legal consequences as a Chinese citizen who does not repay the money he owes: repaying the debt.