In the very first conversation you have with Maya, she talks about needing money, she was never carefree.
Maya has daddy issues, even once the loan issue is solved, she will still have Daddy issues. Even if she cuts her dad out of life, she still has and forever will have Daddy issues. Mass Effect 2 came out 12 years ago, a little late to the party Pinkcakes.
I don't know why Quinn always seems to get brought up as some sort of defense mechanism by Maya fans, but we aren't talking about Quinn. For the record, Sage doesn't actually help Quinn, Sage set up the Prep party by talking to her brother, and Quinn attempted to use that party as a way to sell drugs to the preps but it failed.
Lily is the one who actually bailed her out by having Quinn become her new supplier. A mutually beneficial partnership, I might add.