<prompt> Human: My loan originated with Citi and was sold to Discover. It entered repayment a month ago.The details are : 28,426.62 balance279.65 minimum payment8.5 interest with auto-payment .25 reductionMy plan was to pay 700month and get this loan paid in around 4 years. My income is 40k gross, 2k take home per month. I pay 600rent and 200groceries. My phone bill is 60mo, electric is 40-50 and I already live pretty frugally. I have 65k in federal loans that Im currently paying in IBR with interest rates around 6.8. My plan was to pay off the private loan as fast as I could then move onto federal loans. Ive read that death of a cosigner triggers automatic default. There is no possible way I can pay this loan if they demand it all upfront. I havent posted all the details PF likes to see because Im not asking about what to pay off, Im just asking what my next step should be. I just dont know. If they auto-default my loan, am I screwed? Will it destroy my fiances credit if we get married?If the cosigner then becomes my uncles estate, what happens then? I appreciate any help you guys can offer. I just dont know what to do. Ive tried looking for the info on the discover student loans site and I cant seem to find anything related to this. Im happy to respond with any other info you need. EDIT: Theres no one else to cosign. I have no other familyfriends that could or would and rightfully so. Edit 2: Lots of conflicting information here. Im still not sure whether or not to call discover. What I will do is get my contract and read through it. If this is not spelled out then I will contact customer service anonymously and ask. Thank you to all of those who provided sincere advice. FINAL EDIT: To clear some stuff up: 1. Yes, I have a lot of student debt. I had no family or help. I had no means to attend and even with my job I couldnt afford it. Housing is expensive when you dont live with your parents. My parents never taught me anything about money and I made bad choices. Oh well, I can only grow from here. My degree was in STEM, btw, and I ended up going into IT not what my degree is in because the science jobs here paid so little. It took me a year after graduation to get here. 2. Im devastated. My uncle was one of the only people who accepted me. This isnt a sub about how I feel about my uncle, though. Im not insensitive for trying to keep my affairs in order, but if you think that I am, well good for you. 3. Im going to post an update to this regardless of how it goes so that theres something here when someone else searches rpersonalfinance for it. Wish me luck.  <response>: Hard to say for sure, but you can guess at some scenarios:1. The bank does nothing.2. The bank demands full repayment from you.3. The bank demands full repayment from your uncles estate.4. The bank demands full repayment from both.If you contact the bank, it could very well trigger a full payment demand. The banks are often not the actual owners of the debt, but act as servicers collect payments and fees. As servicers, they have responsibilities as fiduciary to take certain actions.My guess is theyll demand full payment from your uncles estate. The death of a cosigner most likely breaks the contract and forces them to take action on repayment. Since you dont have the cash, theyll lien his insurance or file in probate. Frankly, if I were you, Id do nothing until unless the bank calls. Your aunt should be made aware of the loan if she isnt already. Keep making payments, and theres a chance the bank wont find out. If they do demand payment in full, youll have to work out some kind of deal. I wouldnt hire an attorney unless the bank acts unreasonable. This kind of thing happens all the time, and since youre already in good standing, theyll probably make some sort of accommodation. For the rest of us, if you cosign on a loan, take out a life insurance policy on the other party for the cost of the loan if you cant afford immediate repayment! I know that sounds morbid, but there are stories of co-signing Grandmas losing their homes because Grandson gets hit by a car on the day after graduation. 