<prompt> Human: So, I have a personal education loan, that was Co-signed by my grandmother back in 2006. Ive made all the payments and even then some. Needless to say, she hasnt been doing very well at the age of 92. Now, I have already emailed the sevicer and they said that two things can happen, either Id have to pay the loan in full upon her death, or I may be able to repay as normal. I have excellent credit 800 and Id prefer this as a large majority of my money is tied up in mutual funds. Worse come to worse Id have to liquidate some of the fund to pay this off. Is there anything I can do now before this event horizon? Im attempting not to consolidate either as that will raise my interest rate above the gains of the fund. Assistant: The debt is simultaneously 100 yours and 100 your grandmothers. If she passes, in most states, her estate will be responsible for paying off the liability. You may at the point be able to claim it as your own so the estate is off the hook.You need to read the loan paperwork and see what it says if the borrower or cosigner die. Thats the only way to know for sure.Human: Thanks. The executor of my grandmothers estate is her daughter, who in turn hates my father... And subsequently hates me. Trying to keep off the bullshit is imparitive.  <response>: Family matters on finances after deaths are almost always complicated. If her daughter executor already hates you and her father, then you can be unemotional and follow the letter of the contract and the nature of the matter. If debt accelerates and technically the estate is responsible - then the estate is responsible. She can hate you, but it is what it is 