<prompt> Human: This may be the wrong sub, but many of you seem knowledgeable.When I went off to school, I only took out very small loans 5k. My parents wanted to pay for the rest as long as I kept my scholarships and such.My question is, since my parents really arent in any hurry to pay them off, if something were to happen to them, would the lender be able to collect from me? Not really sure how that works with educational loans. Seems like theyd collect from the estate and whatever was left theyd just have to take the hit, but IDK.  <response>: It falls on whoever took out the loan.If they were loans only in your name, you are responsible for them being paid. If they were parent loans for you, your parents are responsible.If they are loans in your name that your parents decided they will pay for you, you are still responsible for them being paid. 