Loans 101 for anyone who doesn't know shit about getting a loan (looking at you Maya):
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.
- 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.
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.
Yeah that was a issue that bothers me from the start... the whole maya-loan thing is not plausible if you know just a little bit about these things.
I shrugged it off... cause, well... this game is pretty much a soap opera with a lot of porn. And DPC made many little errors here and there in his two games logical wise.
Many movies, series, books whatssoever make the same mistakes over and over again being unrealsitc in some ways, just for the sake of drama.
Or they go the easy way like the movie "Ronin" (the one with robert de niro) where they chase a coffer... just a coffer, nobody knows anything about it... something like that is called a "macguffin"
The maya predicament is just that... a "Macguffin" and those dont follow logical rules.
I think DPC doesnt care if its in any way realistic or not. This is a issues with many theories around here too... way to many people are thinking way to "realistic" about what is going on in the game (including me, many times)... the whole sex-circle thing for example, there is NO WAY this thing doesnt go to the authorities one day... all it needs ... Mona calling the police, and plop thats it, there are more than enough witness and documents already, no way burke can hide this shit if somebody would REALLY investigate only two minutes on campus. But no, she left the college in silence... this is of course not realistic.
I mean, just watch one epsiode of ANY soap opera in TV, only one... you will constantly smash your head on the table cause every minute its just way to unrealistic and not plausible if you dont "oversee" those things.
I think, regarding this game... (and i include myself) we have to learn to "oversee" many things cause otherwise the game and the story doesnt work, problem is, we dont know which things we should "oversee" cause DPC made an "error" just to make it easier for him or he didnt care...Or if he actually exactly knows what he was doing and set up a false track for us... the problem is, we cant differentiate here, cause we dont know what is going on in DPCs head.
For example the theroies about with whom the MC is related... i ruled it out that it can be the burgmeisters, burkes or royces, cause the surname of Lynette HAS to be on the inheritance or at least known by Neil... if it would be burgmeisters, Burke or Royce, neil or MC would have mentioned that... but i can be wrong here, cause what if DPC just dont care about this problem? It just slipped his mind that something like a surname is present on a inheritance latter, or should be in the mind of Neil... DPC can pretty much decide "ah fuck it, i pull out that the MC is indeed a Burgmeister anyway, dont care if it makes sense in a logical way"
and like that it can be pretty much with every theory we have. For many things DPC could have just decided to do things his way and doesnt care if something is realistic or plausible... and cause nearly every soap opera out there operates like this, it would be a big suprise if this isnt the case with this game
Its fun to build theroies, and to say "whoa that is not possible, cause it isnt realisic" but everytime we hit this wall... DPC can just decide "well fuck realism, here you go"
And of course, there is real freaking much unrealistic shit going on in the game so far, starting by the enormous dick of the MC, ending with that he has more hair on his head AFTER a haircut than before...
and yeah... storywise too.
