system
Given the following post, respond as if you're commenting on Reddit:
human
ELI5: what happens to a person's debt after they die?
gpt
Probably depends a bit on locality laws and specific situations. However, in most of the US, any money they have leftover (the "estate", which is everything you owned at the time of your death) is used by the executor (person named to have legal responsibility for your finances after death, either by will or by court) to settle any financial obligations.  

If the total value of your debts exceeds the total value of your entire estate, there is nothing left to be given out to the beneficiaries in your will and the rest of the debt is forgiven. If your estate is worth more than your debts, the debts are paid and any remaining is distributed to beneficiaries per your will.