The executor of your estate, the person responsible for dealing with your will and estate after your death, will use your assets to pay off your debts. This could mean writing checks from a bank account or selling property to get the money. If there isn’t enough to cover your debts, creditors generally are out of luck.
https://www.nerdwallet.com/blog/insurance/debts-after-death-life-insurance/
In the event of a co-signer on the debt, the debt remains active because the person on the debt is still alive.
https://pocketsense.com/happens-federal-income-tax-debt-person-owes-dies-4098.html