But I have hope! Ep 10 ending has two branches regardless of path. You get the documents or you fail. What I speculate is that Josy centric drama is about to drop on us. If you got the documents it's like J&M just can't get a break, but this time it's Maya's turn to be supportive and they will pull through. If you didn't get the documents Josy's drama is the last straw and they break up.
Well, I don't think so.
It's an illusion of choice from DPC, I assume there would be nothing in the stolen documents that would allow the loan to be canceled. Either Derek comes home later and steals the documents to help Maya.
I'm somewhere in the middle on this.
I do think there's a fork coming where Josy and Maya split (particularly if you never throupled in chapter 4), but I don't think it's anything to do with whether or not you got the documents.
My guess is that either the documents allow Maya to resolve her loan issues, and something else comes up that does the same job if you failed to get them, or they don't resolve anything and getting them leaves her in much the same situation as not.
And then either way Tremolo has a decision that determines whether or not Maya and Josy break up.
Maybe Maya is still not ready to go public with Josy despite no longer having her father controlling her tuition fees, and it's your choice whether to encourage Josy to be patient, or validate her blowing up about it.