If the loans are in Patrick's name or if he co sign so Maya can get the loan I think it works, that DPC is a fucking lazy ass milker
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except for the curious detail that if Maya does not repay the debt it is she who ends up bankrupt....
basically Maya borrows for her father, what a golden child!!!!
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Loans 101 for anyone who doesn't know shit about getting a loan (looking at you Maya):
- Typically you can't get a loan if you don't have a means to paying it off (income or collateral)
- A guarantor or co-signer can help you with this, but they have to prove they have the means to pay it off (income or collateral).
- You can't be a co-signer or guarantor if you don't have any income or collateral.
- Student loans typically don't need a guarantor or co-signer anyway since it's all about helping you to get to the point where you will have an income.
So ultimately if what Maya believes is true (that she is a co-signer on the loan), it would mean that she and her dad are equally responsible for paying her loan. If she doesn't pay it off, her dad still has to, or if he doesn't pay it off, she has to. The bank doesn't give a fuck, they either both pay the loan off or they both get bad credit ratings.
Now typically she should be the borrower (not the co-signer) and her dad would be the co-signer, not the other way around as the game has it. Because that would mean she passed a credit check and has either the income or collateral to pay the loan off, which we know she doesn't.
Also, Maya isn't a guarantor (meaning she's 100% responsible for the loan if her dad doesn't pay). She's a co-signer, meaning she's equally responsible as her dad. If she was the borrower and her dad was the co-signer (which is how it should be), or the other way around (where Maya is the co-signer - as she believes the case to be), it doesn't change the outcome. They both have to pay and it means the dad doesn't actually have any leverage.
So all of that means that DPC doesn't know what he's on about, or Maya doesn't know what she's on about. Both are plausible. So I'll just go with the one that works: Maya's dad bullshitted her to scare her into doing what he wants and she doesn't know shit about loans and never thought of looking for information on the Internet. The girl is looking for a degree in social work...
EDIT: It seems that in some circles, a co-signer is the same as a guarantor (which means ultimately Maya would be responsible for the debt even though she couldn't have proven to have income or collateral in the first place). Other sources indicate the co-signer is almost like a co-borrower (except the co-signer doesn't get anything tangible out of it). So that just fucks shit up even more. Ultimately Maya couldn't be either, she hasn't got shit.