What Happens to Debt When a Person Dies?

We are writing a piece about what happens to debt when a person dies and want to hear from experts in the field who can speak to how ownership of debt is transferred, how debt is repaid from estates, how next of kin are affected, and how different kinds of debts can be affected by a death. Requirements: Experts in estate planning, insurance, personal finance, and debt (including student debt, credit cards, mortgage debt, personal loan debt).