with Maya's loan, however, it is DPC who wanted to get into a dead end. Maya only had to say that her father would not pay for her college if she continued to date Josy, there was nothing more to say
but DPC wanted to construct a hyperdramatic situation in which Maya had absolutely no way out, only darker despair and meaningless choices dictated by it
and to convince us as well, he occasionally has Maya tell us about it, one little piece at a time so that we don't catch the overall absurdity right away, and by the ninth chapter we will have yet another little piece of administrative law in duckburg
I 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.
Hello, how are you ? do you know, where the season 3 is avaiable in Steam ? Thanks
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.
This can be explained pretty easily. Maya took out the loan and her dad co-signed/acted as guarantor for it on the condition that he gets the entire amount and doles it out to her such that she doesn't blow it all immediately which so many uni kids do when they get their first taste of freedom.
Then he pulls a bait and switch where he tells her that she can't date Josy or he won't pay for the school (I.e. the storyline). Many unis allow you to pay tuition in installments. So she probably hasn't paid for her tuition fully yet and he can stop paying at any time. If he does, she is out that money and on the hook for it and wouldn't be able to get a loan elsewhere because of a massive outstanding debt. He likely doesn't care because he's set in life, so "fuck my credit rating", cuz it fucks her over more. AND he has the money to pay back the loan whenever he needs to. But for her, she would be kicked out of uni for non-payment, and have a completely destroyed credit rating when she tries to do anything else to even try and earn the money to get back in.
It isn't actually that far fetched as my father in law pulled essentially the same stunt on my sister in law to control her... (He is a psychologically abusive prick who my wife and I have cut out of our lives).
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:
- It's a joint cash loan (and DPC used the wrong term)
- The dad is bluffing (just like Tybalt did)
EDIT: Just read this on a UK guarantor website:
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.
