I know, just sucks to have the rug pulled out from under you depending on your position, naw'mean?
They're probably going to get student loan forgiveness which is harder than dying so they're coming out ahead. I mean, if you had a cosigner your debt will outlive you. If you don't, you basically have to be a vegetable for the government to forgive your loan. Bankruptcy reform sounds pretty boring until you find out what they did under that term.
Pay the minimum without fail for thirty years is kinda generous when bankruptcy is now a moral failing or some shit. I don't think you're, as in you personally because I know better, are minimizing that option. But yeah, you can make three hundred and sixty on time payments and discharge whatever's left. Thanks government.