For some U.S. citizens, the Trump administration’s 2017 tax cuts provided an economic boost. But for Carrie, a 50-year-old doctor living in Amsterdam, they have added to a slow-moving financial disaster that threatens a six-figure debt.

Carrie says that when she finally explained her circumstances to an accountant earlier this year, she heard panic in the professional’s voice.

“He said: ‘This is bad. This is bad.’ He kept repeating it,” Carrie said.

Carrie is now expecting to be hit not only by an Obama-era tax rule that requires her to file U.S. taxes, but also by another, more complicated and less-noticed change made during the Trump administration.

And although that change was made with U.S. corporations in mind, foreign individuals like her may feel the hardest impact.

Her accountant currently estimates a U.S. tax bill of at least $107,000 — a sum that Carrie fears would wipe out much of the savings designed to send her children to college.

To her, it feels surreal. “I’m not American,” she added. “Well, by your rules I am. But it doesn’t feel like that.”

Carrie, who asked that her full name not be used as she is still in the process of coming into compliance with U.S. tax law, is one of thousands of U.S. citizens who live abroad who have found themselves entangled in U.S. tax laws in recent years. Her accountant issued a statement that confirmed the current estimates of her tax bill.