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"But once you’re declared permanently disabled or you pass away, federally insured student loans are discharged and not held against the estate. "

I see a wave of disabilities in my crystal ball.

A wave???...for the past ten years ...it's a continuous tsunami...the recipients already call it 'crazy money'.
Discern most media legal ads...they are for processing SSI disability claims (i.e. drugs/obesity/depression/falsified injuries (back/neck/shoulder/leg/sight...)/can't get of bed/can't seem to mind/can't hold on to that man of mine...ok last three a stretch...maybe!)

Amazing that once an individual processes a claim...they receive funds (Federal Order). Then it's not until the SSI Hearings and Appeals judge renders a decision that the funds are made permanent or disallowed...quite the (DIS)incentive for the individual to show up /schedule / reschedule /reschedule / reschedule their hearing. Quite the ongoing scam.