Not all debt is forgiven after your death and if you have any assets that aren't willed to your children or other family then the assets will be sold to pay off the debt owed.
Student loans are forgiven after someone dies but other debt will be paid off with the money that was made from your assets and if there's not enough money to cover the entire debts then the rest of the debt will be forgiven after death.
If you have no assets and no one else's name is on the debt then the debt will just have to be forgiven after your death.