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Timeline: How One College Student's Private Loans Landed in a Swiss Bank, Then Fell Off the Map

Freddy Reynoso took on student debt in the six figures in order to pursue his dreams at the Berklee College of Music. Four months after graduation, he died in a car accident. His father, Los Angeles-area gardener Francisco Reynoso, was left heartsick — and on the hook for his son’s private student loans. Last year, Reynoso earned just over $21,000, according to his tax return.

Unlike federal loans, private ones typically aren’t cancelled if the borrower dies. So Reynoso and his lawyer have tried to find out whom he should appeal to in hope of getting the loans forgiven, to no avail. We traced who handles and owns Freddy’s loans, following a complicated trail that ranges from California to Switzerland. Here’s what we know about the biggest portion of his debt. | Related story »

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