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If she had it till 82, does it matter?
Yes. Yes it does.
Could you elaborate on how? Do student loans sue for nonpayment? Are they paid back by the estate?
Probably, you cnt have them discharged due to bankruptcy or disability even. I would expect the loan company probably puts a lien on your estate.
Hell, they recapitalize interest anytime you have a late or nonpayment payment, so I would imagine any interest payments you miss while dead add to the capital they charge your estate.