It counts on the state. In my state you inherit all of the money (and debt) if you become the sole recipient of someone's estate.
From a pragmatic point of view, and in most states, the answer is no. The loan may have been taken out for your benefit, but it isn't YOUR loan. For example, my aunt took out a PLUS loan for me when my Mom's credit was tied up. If my aunt croaked, I wasn't fiscally responsible, even though it was for my benefit....
Your dad is actually responsible for making those payments as PLUS loans are parental loans for students.
Depending on what state you live in and what their laws are when a person passes. It all depends on who is appointed power of attorney or executor to him. If you are then you will have to pay that money and all of his additional bills. But if your not then whomever is appointed that will have to take over the payments and usually bills are paid out by left over life insurance or money left over in a bank account. In some cases, if not enough life insurance or money was left, then the POA or executor is left to pay the bills him or herself.
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