Okay ... I have a solution to the student loan co-signing screw up, DPC is allowed a screw up here and there so lets figure out how it COULD (!!!) have worked.
So Maya and Derek beeing twins and their dad, knowing there is no way in hell he'll be able to save up 500k in 18 years for both of em, started 2 funds, both of them beeing paid out when maya/derek turn 18, and lets assume each of them worth 100k.
Now since the dad apparently found out about maya and josy before maya even went to college, he approached her, told her its best if she co-signes the money, which maya was supposed to use to lower her student loan, using some bs reason, that any naive and easily impressionable 17-18 year old girl would buy, especially coming from her own dad.
So now her dad co-owns the 100k, put a stop on any withdrawals and thus making her short 100k.
Its the only way that I can think of on how to save that whole co-signing disaster
![Big grin :D :D](data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7)