Legal analysis: If the lender dies and the children have no inheritance, there is no need to repay the arrears. After the death of the borrower, if the husband and wife jointly owe debts, their spouses are obliged to repay them; If there is no inheritance, it shall be repaid in the borrower's inheritance; If inheritance has occurred, the children will repay it within the scope of the inherited inheritance, and they will not have to bear it if they give up inheritance. Children have no obligation to repay, except voluntary repayment.

Legal basis: Civil Code of People's Republic of China (PRC).

Article 159 When the estate is divided, the taxes and debts payable by the decedent according to law shall be paid off; But the necessary inheritance should be left to the heirs who lack the ability to work and have no source of income.

Article 161 The successor shall pay off the taxes and debts that the decedent should pay according to law within the limit of the actual value of the inheritance. The part exceeding the actual value of the estate shall be voluntarily repaid by the heir.

If the heir renounces inheritance, he may not be liable for paying off the taxes and debts that the decedent should pay according to law.