VN Ren'Py Being a DIK [v0.10.1] [DrPinkCake]

[Dark Silence]

Plenty of religious schools get federal funds, and how they get around the rules is by not being exclusionary. You don’t have to be Mormon to attend BYU. You only have to abide by the fact it’s a Mormon school, with Mormon rules and expectations for all students, Mormons and “gentiles” alike.

I misunderstood what you said then. My bad.

 

[dalli_x]

Banks do care when. Because when you don’t make your regular loan payments—when you “default”—they get to repossess whatever it is you put up against your loan; usually whatever you purchased with your loan. It makes them way more money than interest charges. But if you purchased something intangible, like a college education, there’s nothing to repossess. Which is why any such loan would be made with something else as collateral—like Patrick’s auto dealership or home. The bank goes after both co-signers, but since Maya has nothing to repossess, Patrick would be on the hook, entirely.



Nah; the bank wouldn’t give a shit. They don’t care that you graduated magna cum laude (a title they tend not to use in my state, because AP classes can grant you a GPA above 4.0), or that you’re really smart, or might get a really good job someday. You have to have a really good job now. And a decent credit score. They want something tangible. Try taking out a bank loan sometime and you’ll see exactly what I mean.

Like I said, Maya has nothing. No job, no credit; if she had credit cards but her dad pays them, that’s his credit. She’d never be able to take out such a loan herself—unless it’s a federal student loan, under which the rules are different.



There’d be no point in Patrick doing this. If he couldn’t take out a loan for high-value cars, he’d be even less able to take out a loan for the same amount for his twins’ college tuition. Banks can repossess fancy cars; they can’t repo classes!

Collateral against Patrick’s loan would be his dealership, his home, or any other real estate he owns. The bank truly wouldn’t give a shit what he did with the money so long as they got paid on time. Miss a payment and they come for the collateral, tho.

Unless of course it’s a federally subsidized loan, which banks administer to provide disaster relief, support business through a pandemic, encourage home ownership among the poor, and the like. Because those loans don’t require collateral—the feds guarantee them instead of your collateral—banks won’t turn you down, but the feds might. And you apply for these loans through the feds. Banks will promote them, but they only grant them when the feds agree to them. And the feds do care what you do with them. If Patrick uses a federal loan for anything other than what the feds require, he faces prison time for fraud. Maya doesn’t, even as a co-signer; she didn’t misappropriate the money.

As I’ve said earlier, if the federally subsidized loan is a student loan, Patrick’s definitely doing prison if he gets his hands on it. Which he shouldn’t cuz it goes straight to B&R.

Hence my earlier statement that he’s bluffing so he can keep Maya away from Josy, and every lawyer (and even non-lawyers like me) will call bullshit.

The credit system is a little more complicated in this respect. As a co-signer, you can be a guarantor or a co-debtor. This also applies to earmarked loans.

Spoiler: guarantee

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Spoiler: co-debtor

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Spoiler: Earmarked loans

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Spoiler: Screenshot

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[ReallyNotTimmy]

Any news about an update release date?

At this rate:

 

[RK - Milf]

I don't think loan storyline will end soon, and I know this is unpopular opinion. I expect Patrick to play much bigger role in the upcoming episodes and he is going to be main antagonist in Maya and Josy plot. We are not going to see much conflict in episode 10, but I think things will pick up in episode 11. This plot will go on for long long time, I am talking years. You think waiting 3 years to bang Jill was long ? Lmao

I feel heathers is definitely in my trap for episode 10. Don't question about Bella, I'm gonna bang that too

 

[hakuna-matata]

in chronological order:

MC dropping out of college because he has a mean roommate. MC who was suspended at school for beating up people who insulted him and who will become moral leader of the Diks

Josy who runs away to college for fighting with her parents.

Jill's entire reaction during Thybalt's blackmail.

Bella who stays over at the DIKs' in MC's room, same day after Cathy's scandal.

Maya who knows Patrick has a key to her room but lives there peacefully for a week with Josy


I would say that these 5 are aces of some weight

Those are some good ones too.

- Bella: We need to keep our relationship a secret. Proceeds to use the front door to help and mc. Proceeds to use the same front door after spending the night with him and his bros are waiting at the front door.

- I meant the entire blackmail situation, including Jill's reaction.
- WHy the fuck does Maya's father even have a key to her dorm?
- MC shows up and in the span of a month is the king, the leader, the prophet, everything rolled in one the moment he shows up

 

[felicemastronzo]

Those are some good ones too.

Bella: We need to keep our relationship a secret. Proceeds to use the front door to help and mc. Proceeds to use the same front door after spending the night with him and his bros are waiting at the front door.

But having then given them the super bad look of her solved every problem

unfortunately with Nick she did not make it in time to use her secret technique....

 

[Dark Silence]

Bella: We need to keep our relationship a secret.

HUGE red flag. Why be with someone if you can't be open about it. There's a shit-ton of red flags with her. Not worth it.

 

[openup212]

There's a shit-ton of red flags with her. Not worth it.

Yeah, but...

 

[hakuna-matata]

HUGE red flag. Why be with someone if you can't be open about it. There's a shit-ton of red flags with her. Not worth it.

That is a huge red flag. The biggest one is definitely her marriage. The MC is too retarded to ask the question...... What's the deal? Is he alive? Is he dead? Is he in prison for murder? Is he in a mental institution? Do I need to be worried? Will he come to bash my head in with a baseball bat after I bang you?

But having then given them the super bad look of her solved every problem

unfortunately with Nick she did not make it in time to use her secret technique....

The look!

 

[Deleted member 6628651]

Gotta say Rusty's car is much more slick in terms of colour and apperance than Jill's car.




Speaking of rides, I wonder which car will Jill get MC as a Christmas present? If she asks me, I would definitely say Ferrari F12 Berlinetta. It is my dream car, and costs $200K. Would be a hell of a gift for MC!



Ohh and of course this gift is gonna be exclusive for Jill's MC. Other MCs on other girls' paths can keep using trains to see Neil.

Man... the life is good with Jill.

 

[yossa999]

Yeah, but...
View attachment 3043677

My red flag just flew up involuntarily!

 

[JJ1960]

Gotta say Rusty's car is much more slick in terms of colour and apperance than Jill's car.

View attachment 3043642
View attachment 3043644

Speaking of rides, I wonder which car will Jill get MC as a Christmas present? If she asks me, I would definitely say Ferrari F12 Berlinetta. It is my dream car, and costs $200K. Would be a hell of a gift for MC!

View attachment 3043692

Ohh and of course this gift is gonna be exclusive for Jill's MC. Other MCs on other girls' paths can keep using trains to see Neil.

Man... the life is good with Jill.

It's because Rusty's cool dad picked the car out (or let Rusty pick it) and it's obvious Jill's buttoned-down mom picked her car out.

 

[Takkatakka]

HUGE red flag. Why be with someone if you can't be open about it. There's a shit-ton of red flags with her. Not worth it.

I mean...if that is your opinion...okay, fair enough.

I would for example make a difference why she wants to keep it a secret. Are the reasons intrinsic or extrinsic for example. In this case it is not due to her free will, but because it could cost her her job or potentially even worse get her into jail (?).

And for practical reasons: You have to wait for new updates so long, so you might as well just try out all the available paths, even if it isn't your preferred one.

 

[Dark Silence]

Yeah, but...
View attachment 3043677

Those are two of the biggest red flags for me. Pass.

 

[Takkatakka]

Gotta say Rusty's car is much more slick in terms of colour and apperance than Jill's car.

View attachment 3043642
View attachment 3043644

I mean...it's an orange Merc convertible vs. a silver BMW coupe, I don't see much difference outside of the color and the Merc being a convertible to be honest.

 

[felicemastronzo]

That is a huge red flag. The biggest one is definitely her marriage. The MC is too retarded to ask the question...... What's the deal? Is he alive? Is he dead? Is he in prison for murder? Is he in a mental institution? Do I need to be worried? Will he come to bash my head in with a baseball bat after I bang you?

the worst part is that actually Mc asks Bella about her husband, she gives him an answer that makes absolutely no sense, and from that point on they don't talk about it anymore as if it was a solved problem

mc "We both want it. We wouldn't be here right now if it wasn't so."
isa "Yes, but I feel ashamed for wanting it..."
mc "Because of that ring on your finger?"
isa "Yes."
mc "I get it..."
mc "But correct me if I'm wrong..."
mc "I've had the feeling he's not around anymore... Am I wrong?"
isa "No, it's...different today."

what the hell does that mean!?!?!?!?!?!

 

[KАRАMBA]

Man... the life is good with Jill.

It's so cynical...

No !
I still have moral guidelines, values.

 

[Floki!]

It is not that bad. Well...maybe...sometimes.

Man... just look at this beauty. Ain't she an angel?

View attachment 3042423

She is beautiful! But here is not the place to defend her, it's a failed mission

I wonder which car will Jill get MC as a Christmas present?

the life is good with Jill.

 

[Trojaner]

She is beautiful! But here is not the place to defend her, it's a failed mission




View attachment 3043762

Hmmm ... shouln't it be "I love the Goblins Money" ...

 

[ProxyGist]

- The Loan

Plot crutch. This arc isn't really finished yet, it's too early to draw any conclusions.

- The blackmail is another one

Jill is a naive and foolish girl who treated Tybalt well. No wonder she agreed to three dates. Even Bella herself says she's too naive.

MC doesn't know anyone's family names, especially his own mother. He never asked questions or even checked the legal documents from inheritance. Everyone knows there are no names on legal documents. (My favourite one)

MC is literally the village idiot. He knows nothing but how to fight and work with his hands. In fact, throughout the game, the DPС did a great job of portraying the MC as a complete idiot manipulated by everyone. And yes, it's a plot crutch, Chekov's gun.

MC, in general, seems to be retarded. He doesn't ask questions. "Bella, I would like to know the situation with your husband? Is he in prison for murder? What's the deal? I'd prefer not to have my head bashed in when I leave your house."

MC made one attempt to ask a question about Bella's husband and immediately got a negative response from Jill. It's not really polite to ask such a thing directly, he should have pressed Jill.

The Maya/Josy situation: The Campus: Drug use, underage drinking, smoke cigs, engaging in prostitution, violence, Guns, assault, beating each other up, stealing, burglary, cheating, having unprotected sex, engaging in threesomes, engaging in orgies, breaking into people's homes, vandalizing, blackmail, but we draw the line at lesbians....... because we have morals here.....

It's a porn game, damn it.

Dawe assaults a teacher and nothing happens

Yeah, I didn't understand why that scene was necessary at all. I guess in the first episode DPС decided to replicate the atmosphere of a society hostile to newcomers with various fights and drunkenness, but gradually abandoned this idea. In fact, many of the ideas that were in the first season are put aside or forgotten.
Although the syringe with drugs appeared in ep9.