As a banker I have has situations were a husband dies but whoever signed that note with them is still responsible. Even if someone didn't sign for it, if there was collateral you would have no choice but to collect on that collateral if someone didn't take care of the note. If there was no collateral you would have to file a lean against the estate. I'm sorry but bankers can't give money away. I have student loans, if in the case that I pass away there is enough life insurance to cover my debt. People just need to be more financially responsible. I truly believe that the loan provider should not be pressured into forgiving this loan because of pressure from idiots that don't like to pay bills. I fell very sorry for the pain that this young man's death has caused to the family, but they signed a contract that has to be up held.