As a reward for your efforts to bring Maya back into the debate
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, I give you the solution.
Actually, Maya gives it herself at the beginning of the seventh chapter: talk about the (clearly anomalous) loan to someone who understands the matter, not necessarily a lawyer as she thinks, but someone who knows about loans, student loans and guarantees.
Maya opts out because she's afraid of how much it will cost, but she doesn't have to sue Monsanto, she doesn't have to go to a fancy lawyer, in the real world she could have just asked the school counselor (why not Jade?) who would have referred her, or some gay and lesbian civil rights association (by emailing them).
99% this will be the solution that will come out in its own time (unfortunately I fear very long) from Burke or whoever.