关于借款人死亡后，债务的确定。

1、如果借款人死亡后，**则向****，要求执行抵押物进行归还。如抵押物不足值，或者抵押物因不可抗拒力量泯灭，则申请担保人承担连带担保责任。

2、如果是无抵押物的信用贷款（也就是你说的助学贷款）。借款人死亡后，**则要求对借款人的遗产进行变卖偿还。如果借款人没有遗产，或者遗产不能变卖的。则要求遗产继承人进行偿还。

3、如果借款人属于死亡结户了。也没有任何遗产，那么次笔贷款就成为呆账。不用归还了，但是账会一直存在。永远都不会消失。

The determination of debts after the borrower's death.

1. If the borrower dies, the bank will bring a lawsuit to the court and require the mortgage to be returned. If the collateral is insufficient, or the collateral is extinguished due to force majeure, the applicant guarantor shall bear joint and several guarantee liabilities.

2. If it is a credit loan without collateral (that is, a student loan). After the borrower dies, the bank requires to sell off the borrower's estate for repayment. If the borrower has no estate, or the estate cannot be sold. The heirs are required to repay.

3. If the borrower is dead. If there is no inheritance, the loan will become bad debt. There is no need to return, but the account will always exist. It will never disappear.