The "school debt that can never be paid off" is due to a couple of basic problems. First off, schools have figured out that they can essentially charge whatever the fuck they want. Tuition at Central Redneck State University is now equivalent to what you might have paid for Yale a couple decades ago. Second, the student loan system is - and I'm going to type this slowly - rigged so that it can (in your words) never be paid off. Student loans last as long as a traditional mortgage, but unlike a mortgage cannot be discharged via bankruptcy. Graduate from Southern Football College with 100k of debt and get hit by a bus coming back from the ceremony? Your "estate" will owe that money forever. That needs to stop.
Your estate will have nothing, the debt vanishes. I've handled an estate before, even with money in the estate the creditors that didn't follow the rules got nothing. (Morons, all you had to do was file with the court as I told you. But, no, you had to harass me instead--and the clock ran out. I felt no obligation to pay the assholes that had been harassing me.)