does your estate have to pay student loans

Best answer


If you have federal government loans,yes. This means that your estate will not have to pay back those student loans. Survivors can apply for a death discharge to cancel a borrower federal student loans. Parent PLUS loans may be discharged if the student for whom the parent received the loan dies.

People also ask


  • Who pays for my spouse’s student loans if he dies?

  • If Your Spouse Dies He Owes Student Loans: Who Pays for it? Is a Husband Responsible for His Wife’s Personal Loan? While nothing is as certain as death and taxes, dealing with student loans after someone dies is not as clear-cut. Whether a spouse has to pay off a spouse’s student loans depends on whether he was a cosigner and where he lives.

  • What happens to student loan debt after the borrower dies?

  • Often, even if a private lender chooses not to discharge student loan debt after the borrower’s death, it’s a moot point because the borrower’s estate doesn’t have any assets to repay it. However, if the borrower is married, state law sometimes requires the borrower’s surviving spouse to repay the debt if it isn’t discharged.

  • Does a living person have a legal obligation to pay student loans?

  • In some cases, however, a living person might have a legal obligation to repay a student loan. This is most common for co-signed private student loans, for which both the primary borrower and the co-signer have a legal responsibility to repay.

  • Can you inherit when you have student loan debt?

  • The possibility of receiving an inheritance after the passing of a loved one when you have student loan debt can keep you up at night. Ideally, the money should improve your financial situation.

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