No. If you are not a co-signor, didn't consolidate your loans together, and weren't married at the time she took out the student loans (if you lived in a community property state), then you are not personally liable for her student loan debt.
HOWEVER, when she dies, her estate may be liable to pay. So, that would put jointly owned assets at risk. You should get with an estate planning attorney (which is a good thing to do anyway for various reasons) to get an estate plan to minimize this risk.
I would highly suggest that you consult an attorney in your local area to determine how to properly separate your finances if you have these concerns. There are variables that need to be explored to ensure that you have structured your financial identities properly. Good luck!
So sorry to read about this. My condolences.
That's an interesting question and in fact, from what I recall, some student loans are discharged upon death of the primary obligor.
If the borrower dies, then a federal student loan will be discharged. The same applies to a parent PLUS loan borrower if the borrower dies, or if the student on whose behalf the borrower obtained the loan, dies.
If this is a private student loan, it may still be discharged. If you live in a community property state, you would not be liable for the debt, but your spouse's share of the community property may be liable for the debt.
However, if you live in IL, as long as you were not a co-signer on the loan, I think you're off the hook.
The loan will be discharged if a family member or other representative provides a certified copy of the death certificate to the school (for a Federal Perkins Loan) or to the loan servicer (for a Direct Loan or FFEL Program loan).
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