Go question - hard to answer. Do you own a home? Will the sale of the home when you pass beable to pay off the balance of your loan? If not what about your life insurance? If not find out who would get stuck with the repayment of the loan. Go to a community college and get a Stanford loan -or look into it. That might help as a start. Best of luck to you. Life can sure be a struggle - just when it should be slowing down.