The debts very much don't die with the person - the estate is on the hook to pay your debts before distributing to heirs.
Obviously, with some "it depends" nuance - but if the difference between this and your world view would make a significant difference to your loved ones, you might want to talk to an attorney.
Obviously, with some "it depends" nuance - but if the difference between this and your world view would make a significant difference to your loved ones, you might want to talk to an attorney.