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When you borrow through the federal loan programs (Stafford, Perkins, and GradPLUS) or the Harvard Law School loan program, you will not be liable for the continued payment of these loans upon death or permanent and total disability. Funds borrowed through the private loan programs are not automatically discharged upon death or permanent injury. Private lenders would either collect these funds from the co-applicant or, if the student has no co-applicant, from the student’s estate. The loan would be discharged only after the co-applicant and the student’s estate had both been unsuccessfully sought for payment.