> Forgiveness also happens upon death.

Comforting I'm sure. But it wasn't always that way:

"Six years after the death of Christopher Bryski, a 23-year-old student at Rutgers University, Key Bank has agreed to forgive his student loan. But Bryski's family is not stopping there: It's now fighting to change the laws in the hope of sparing others the trauma it endured as lenders continued to hound it for payment on its dead son's debts."

And it might not be mandatory:

"But it is guidance, not law, and it does not cover creditors collecting their own debts, as they are not covered by the FDCPA (Fair Debt Collection Practices Act)," she said.

https://abcnews.com/Business/bank-forgives-dead-students-loa...