Because Maya LOVES Josy ! Her dad already caught them before college and she made the decision to still be with Josy, and Maya didn't do anything to emancipate herself from her dad. That's the closest "proof" we have what Maya would do without Josy and even that is iffy at best.
And if a person is willing to tough it out even though she has someone she loves in her corner, what do you think she would do without ?
If you remove Josy, her dad wouldn't know that Maya is a lesbian or later on bi, and Maya would no longer have a tuition problem and the HOT's would be just "a bunch of sluts".
Everything you claim as facts, are facts while Maya is with Josy and in love with Josy, so it has zero relevance to what Maya would do without Josy.
The only way to take an educated guess at what Maya would do, is to look at how she is characterised in the game and all she ever does is pout and wait for someone else to tell her what to do, so claiming that she, out of the blue, developes some initiative is highly questionable at the very best.
She surely didn't do anything to emanicipate herself from her father in the 6 months leading up to college and that's in the inet age, where it literally takes all of 5 seconds to google something and then act accordingly. She doesn't call her money lender, she doesn't go to the financial aid office at her college, she doesn't call her bank or go for a free lawyer consultation.
As of now, if you have to pick the two characteristics that stand out the most with Maya, then those would be dependency and inactivity.
