If I commit suicide will my next of kin have to pay my student loans?

I know it’s a terrible question, but they say that student loans never go away.

I’m about to graduate with my masters, and it will end up costing me over 100,000. It makes me want to kill myself, especially considering how incredibly hard I worked through undergrad to graduate with almost no debt.

I wish I could turn back time- I would have NEVER decided to go back to school. I also have heard that if something were to happen to me, my next of kin would be responsible for paying. I know you will tell me it’s never an option, but financially is suicide not even an option for me? Am I that completely trapped?

After graduating I should be able to find a job at about 50,000. Is there hope for me? Will I ever be able to have a family? Or will I be anxious, suicidally depressed, and struggling for my entire life? I just don’t think I can live with the existence I’ve gotten myself into. What do I do?

The answer is if these student loans are in your name alone, then no your next of kin would not be responsible for these debts.

I abhor the thought of someone committing suicide over debts. But at the same time, in the face of what feels like insurmountable financial slavery I understand the emotion. It’s one shared by people around the world who can’t find solutions for their money troubles. It is a real problem and for some suicide is the way they deal with it.

I even thought about suicide for a few moments when I was going through my darkest debt problems.

But before we waste a perfectly good life, what do you say we work through this problem instead.

Can you please answer me in the comments section below if your loans are subsidized and government backed or private student loans. It makes a big difference.

Let’s work through this step-by-step and at the end if you decide that suicide is the way you want to handle this then it is what it is. And by the way, if that’s what you decide to do let me know where you live so I can come and kick you in the ass first. It’s not over. Far from it.

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Please post your responses and follow-up messages to me on this in the comments section below.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.
Damon Day - Pro Debt Coach

59 thoughts on “If I commit suicide will my next of kin have to pay my student loans?”

  1. I jut wanted to know if my parents would be burdened after I’m gone. No stopping this now, I’ve alreadyy mustered up the courage to finally do it.

  2. Jake, there is no doubt you are facing a lot of depression, pain and deception. It can certainly feel like there is no hope or path forward but perception is not always reality. Undoubtedly you will need to take some action to change the situation. But there are steps you can take to make your life and debt situation better. Suicide might feel like the best way out but that doesn’t mean you are yet out of options. So sorry for the loss of your dog. It’s like losing a loved one.


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