system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: What happens to a person's debt when they die?
gpt
When you die, all of your assets (stuff you own) and debts (stuff you owe) become part of your estate.  Outstanding debts are settled from your assets and the remainder is distributed to people based on either your will, your state's property laws, or both.

If you die owing more than you have, the creditors may go after people who co-signed the debt with you.  If there isn't anyone, they will just write it off and move on.