- May 17, 2020
- 11,196
- 21,870
and in fact in this way DPC avoided Maya being criticized...I would say a really successful choiceI don't think that's fair. If DPC said the dad wouldn't pay for her college, how many people do you think would be screaming, "Student loan bitch!"
It's possible that DPC has simply just used one wrong word: "Cosigner". If he said "coborrower" or "joint loan" it would have all made sense, particularly if it was a cash loan.
In episode 6 Maya says the following:
Maya: "He fooled me into co-signing my student loan and afterward he gave me the ultimatum that I couldn't see Josy ever again."Maya: "If I did, he'd withhold the funds and I would be fucked financially for the rest of my life."Maya: "No money for college and forever in debt."Maya: "All of this because he can't stand that he has a gay daughter!"
And in episode 7 she slightly elaborates:
Maya: "He prepared a student loan application where I was a cosigner."Maya: "I don't know how those things work, and I trusted him."Maya: "You should be able to trust your parents..."Maya: "But as it turned out, he's in control of the money."Maya: "That doesn't leave me with a lot of options."Maya: "I can't take another loan because my credit will be fucked, and I wouldn't have the money to repay the debt."mc: "Can't you talk to a lawyer or something? Maybe there's a way to get out of it."Maya: "I don't know what I'm doing... Or who to talk to. And I certainly don't have the money to hire a lawyer."
It's not so dreadfully flawed, since what it does is it puts Maya in debt, meaning she now can't get a student loan (as she already has a loan), and it gave her father access to the money.
If she just took out a student loan, it would have been made out to the school and that would be that. But if she and her dad took out a cash loan, and he took control of the money, he could still be paying the loan of slowly, but meanwhile she wouldn't have access to the money and wouldn't be able to get another loan.
But any dad that did all that to his adult daughter deserves a bullet in the head. That's why I reckon he's just bluffing.
Season 3 won't be released on Steam until episode 12 is complete. We're still waiting for episode 9 to be released. So it's gonna be 2+ years before you see another release on Steam.
The issue is that Maya said she was the cosigner. That doesn't make any sense.
But even if he was the cosigner, he has no legal right to the funds, he's just backup to make sure the loan is paid off.
Taking out a joint cash loan is the only way the dad could hold on to the funds. And as long as the loan is being paid off (for however long the loan period was set), there's nothing particularly illegal about it. But if he's a cosigner, then he is basically stealing Maya's money. If she's the cosigner, absolutely nothing makes sense.
So the two working solutions are:
EDIT: Just read this on a UK guarantor website:
- It's a joint cash loan (and DPC used the wrong term)
- The dad is bluffing (just like Tybalt did)
So what rights do you have as a guarantor?You control the money: When the payment is made and the loan is funded, the money will go to your bank account as the guarantor. You then have a two week cooling period allowing you decide if you want to give the money to the borrower or send it back to the lender with no extra charges.This is quite a pivotal position and if you do not fully trust the person you have agreed to sign with or want to manage their spend, you can give the money to them in stages and help them manage cashflow more effectively.
So yeah, the dad being a guarantor works. Although DPC keeps using the term cosigner, which sometimes seems the same as a guarantor, other times it doesn't. Anyway, it completely works if the dad is the guarantor, so don't know why he had Maya say she was the cosigner. But that significantly reduces the issues around the loan.
the student loan then is relatively easy to get but it's not like it's for everyone, there are income and merit requirements anyway, so all it took was Maya being relatively rich and not particularly smart in school to cut her off from the official student loan
whether she is a guarantor or a co-signer really changes little of the substance: the point is who has to pay back the money, and the bank takes the money from those who have it, it's not like it splits the loan into 2 portions and one agrees not to cash it in, in no situation would a bank go after a girl with no income when it can make it up to a man with a salary, a house, a business. banks want money, not justice,