Me thinks I should be concerned

So my darling sister, Oogie, is the primary beneficiary of my rather lucrative life insurance policy when I die. Today, she just sends me a GChat:

Oogie:  "I have a question."

Piglet:  "What?"

Oogie:  "Since you have student loans, won't all your extra money go to your loans if you die?  I ask because, this is the only reason I keep cooking "well" for you."
Piglet:  ...?

I truly am at a loss as to how to process this.