One of the main things rats are unable to do it throw up. They cannot vomit or burp or anything like that as their digestive system is different to ours.
It will get repossessed, the bank will sue you and get a judgment and this will affect your credit - your savings and wages could then be garnished. My friend was in the same situation, he found a...
If you have been drinking enough fluids but cannot urinate easily even with a full bladder, it could be an issue with the nerves, or it could be an infection. There are some STIs (treatable, happily)...