What Happens to Your EdFinancial Account When You Die
Quick Facts
Discharge
Federal loans forgiven at death
Action
Submit certified death certificate
Autopay
Stop immediately
Step-by-Step Guide
Federal loans are discharged at death
Federal student loans are fully forgiven when the borrower dies. Submit a certified death certificate to EdFinancial to begin the discharge process.
Estimated time: 15 min
Contact EdFinancial bereavement department
Call EdFinancial and ask for the bereavement or estate department. They will provide the process for submitting documentation and processing the loan discharge.
Estimated time: 20 min
Check for private loans separately
Private student loans are NOT discharged at death. Review loan documents to identify any private loans — the estate may be responsible for those.
Estimated time: 15 min
Stop autopay immediately
Cancel all automatic payments immediately. Payments made after the date of death are typically refundable once the discharge is processed.
Estimated time: 5 min
Document Now Checklist
- EdFinancial account number
- Loan types (federal vs. private)
- Loan balances
- Autopay status
- Payment method on file
Last verified: June 2026. Platform policies may change. Verify current procedures directly with EdFinancial. This guide is for informational purposes only and does not constitute legal advice.
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