How the fuck is that storyline still alive ???
Bella: "Have you checked your credit report?"
Maya: "I have, but it wasn't on there last time when I checked."
She's in college for 6'ish months now, it takes 30 days tops for a loan to appear on your credit report. Checking it online is free and takes less than a minute.
One could maybe close both eyes and look past it, but friggin Bella was the one asking and there is not a snowball chance in hell, that she doesn't know something so elementary.
If Maya doesn't have it on her credit report and given the other documents in the folder and the fact that everything else is already paid off it would appear that DPC is telling us that Patrick either sold or borrowed against Helen's life insurance, which wouldn't effect anyone's credit.
It would also explain why Derek, Maya and Patrick all had to sign off on it. Derek and Maya are probably the beneficiaries and Patrick the guardian until they reach the age of 21.
This never ending crap should have ended right there and then in the library.
Bella: "Have you checked your credit report?"
Maya: "I have, but it wasn't on there last time when I checked."
Bella: "Well, check right now."
Maya: "Still nothing."
Bella: "Follow me, let's go to the colleges financial aid office and apply for a student loan."
Maya: "Okay."