25 and found out I'm dying. What do I do about my debt?

[Scanner]

I agree with the sentiment here.

While there is a time and place for worrying about money, and getting your affairs in order, don't dwell on your survivor benefits for too long. My understanding echoes the forum - your debts are only your debts and while whom you are indebted to can attach your estate upon your death. . .if you have nothing, you can't go after anyone else (as if you could get anything).

I have run into this a few times as a doctor. A patient would die and my billing co. would continue to send a bill. If there was an estate of any kind, the executor would settle the debts first and then I suppose distribute leftover assets. (we were usually talking $50 to 100 here)

However, you have no estate. It's simply a write off for me, for the University, for the hospital, anyone else. It would be a fool's errand for anyone (IMO) to try to seek payment from survivors.

Knowing this, get at least a couple things in you want to do if the prognosis is bad.

I wish you peace and fulfillment.

[Scanner]

Being self-employed, I am not sure, but don't most employers who carry life ins. on their employees do so for the minimum of 1.5X your salary?

That is, if you make 40K/year, aren't you automatically enrolled for a 60K benefit? (with an option to purchase greater coverage)

That's the way it was with my ex-wife.

I'd be curious.

[ThriftoRama]

I'm really sorry you have to deal with this. First you are young, and you are likely a good candidate for a donation. Fingers crossed a match comes along. You are on the transplant list?

Second, having lost my dad and grandparents as well as friends, recently, I'd say yoou are thinking about the wrong thing. Yes, it's good that you want to tie up loose ends. So, call HR and make sure your parents are the beneficiary of your company life insurance.

THEN, spend time with the people you love. They will want every last precious memory with you if this in fact near the end. It's more valuable than worrying about paying off a bill. And if you have any dreams-- skydiving? now is the time. Spend some of your money to live some of those dreams while you can.

I'm rooting for you.

[Wonga]

I am extremely sorry and regret that you have to deal with this. I am in no position to answer your question just wanted to let you know that I wish you all the best and I suggest spending time with the ones you love.