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Anyone who co-sign kids' student loan should get a term life insurance


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When Student Loans Live On After Death

 

http://online.wsj.com/article/SB10001424052748704741904575409510529783860.html?mod=WSJ_newsreel_personalFinance

 

In summary, a 20 something died and left his student loan to his father, the co-signer of the private student loan. Unlikde federal loan, which forgave student loan if the holder dies, private student loans don't have that clause. So they could go after co-signers until debt is fully paid.

It's indeed a sad story and no one wants to think about death. But I think it's worth to ponder.

 

"To all you people who have cosigned a note with your son or daughter, buy a term life insurance policy to cover the amount of the loan. The rates for somebody in their twenties is very cheap and it could save you financial hardship later on."

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