Who pays the student loan if you die?

@juston 

If the borrower of a student loan were to pass away, the responsibility of repaying the loan can vary depending on different factors:

1. Federal student loans: Federal student loans are typically discharged upon the death of the borrower, meaning the loan is forgiven, and no further repayment is required. In this case, the borrower's estate (if they have one) may be responsible for reporting the death and providing the necessary documentation to the loan servicer.
2. Private student loans: Private student loans, on the other hand, may not always be discharged upon the borrower's death. The terms and conditions of private loans can vary depending on the lender and the loan agreement. In some cases, private lenders may offer loan forgiveness upon the death of the borrower, while others might have a provision that transfers the responsibility of loan repayment to a co-signer, such as a parent or spouse.

It's important to note that if a co-signer or co-borrower is responsible for the loan, they may still have to repay it even if the primary borrower passes away. It's recommended to review the specific loan terms and reach out to the loan servicer to understand the repayment responsibilities in case of death.