Sure but then it depends on *when* you die. Let's say you graduate at 22/23 and live till 70. For almost 50 years, you will be chased for that debt. Is that a good way to live ?
I mean after a while debt collector calls become easy to avoid and block.
Sure, but the bulk of those consequences are decades away so effectively they don’t exist (or are at least invisible).
So schools and lenders are acting as if it’s true.
Hospice and long-term care would have already picked through those bones. Unless you're rich there isn't much of an estate to go after.
At great sacrifice to your credit score
Death makes your credit score somewhat irrelevant.
Dead people don't have or need credit scores
Speak for yourself, in my town you can't get a decent plot without at least a 760 FICO