SOFR rate and US debt default

What happens to Secured Overnight Financing Rate in case of US default?

I have an asset backed loan with a variable rate SOFR +base rate. Am I facing at a huge spike in borrowing costs or worst case loan getting called? Don't want to be forced to liquidate assets in a crisis so thinking of moving enough to cash to cover all or most of loan but that would trigger capital gains. Currently borrowing less than 20% of pledged assets' value so getting called is unlikely baring market collapse but don't want to face credit card level rates on a very large balance if SOFR may potentially spike.