VN Ren'Py Being a DIK [v0.10.1] [DrPinkCake]

[Darkwen]

Josy is a dwarf (to some, petite to her fans of course) and she talks too much (I don't find it particularly annoying but Derek has developed his Jojo filter)

Good things come in small packages Josy is sunshine

 

[TimHawk]

Here is an analogy to show you what's going on more plainly: You friend is seriously troubled by her broken iphone, and tried to get a replacement phone through some ridiculous means and failed. You want to help her and have known this issue for a month. How long do you need until when you come up with the genius idea that maybe she should take the phone to the shop and see whether it can be fixed? Not only you have known this problem, but there's another person (Josy) who knew just as long or longer (let's still say it's a month) and genuinely wants to help. How long would she come up with that suggestion? There's another person (Sage) that recently knew about this but really wanted to help, talked to her for a few hours, and now wants to get her parents involved even though she doesn't want to ask them for more stuff. You don't think Sage's first question would be "have you taken the phone to the shop to know what the specific issue is"?

And how the school financial office is gonna help her? Seriously? I thought it's very clear to everyone involved that Maya doesn't really have a full picture of what is going on. You need to understand the problem before solving it. And the school financial office/treasury/bursar (each school calls it differently) is responsible to charge the tuition. Going there will be the natural first step to get some important answers, in particular, who has been paying Maya's tuition (is it her dad? or the student loan bank actually has been paying?). And they can do much more than providing answers - they deal with student loan issues all the time, maybe they can quickly isolate the problem by making a few phone calls.

By the way, you seem to have the wrong idea about university admin. They absolutely care about keeping the admitted students with the school. Often times there's human decency of wanting to help, but absent that, they still want to charge the student for the sweet tuition money for the next semester. And you can't do that if the student drops out. In plainer terms - if Maya's dad misappropriates Maya's student loan funds, then the dad will keep the money that the school deserves. And I'm sure the school does not want that.

"Maya told the MC that her problem is at the bank level" - sure, because Maya totally knows what's going on? Even if you believe that, why didn't anyone suggest her to talk to the bank? Again, "talk to X" would be the first step that anyone wants to help will suggest, just so that they can understand what the problem really is. The fact that no one suggested that, is just the author putting on idiot ball and railroading the plot.

Okay, now I can at least tell what your missunderstanding is and I assume you are not from the US ?

Let me try to explain. In the US you have to first seperate subsidized student loans and none subsidized student loans. None subsidized loans, like the one Maya has, usually come from a lender which is tied with the goverment or 3rd party private loan service agencys. In ALL those cases the student does not interact with the money or has access to the money in any way, its an automated process, the money goes from the lender/3rd party to the College.

In BaDIK, at least as DPC told the story so far, Maya and her father went a different route, they went directly to their bank and when people do that, they usually have a long relationship with that bank and are in good standing. Now when a bank owes you money, its yours, they dont care if you buy burgers with it or sportscars, they just want their money back. When the bank approved the loan and contacted Maya to sign the contract, she took her dad with her, because she is inexpirienced in all financial matters.

Now to keep interessts low, her dad cosigned her loan, meaning if for whatever reason Maya cant pay her loan back, her dad has to. But when it was time to sign the contract ( which is very very different to cosigning the loan ) for a lack of better words, he tricked her, and Maya signed controlling power of her loan over to her dad. Its that control, that her dad is using now to keep Maya in check and to control her. In day to day language, people might refer to it as a student loan, but it really isnt, its a bank loan.

Now as you probably can see by now, no college financial aid office can help her. Maya signed a bank loan for probably in the range of 100k-120k to cover all 4 years, nobody can fix that. The money is for all intents and purposes hers, the fact that she signed control over it to her dad, makes her naiv and inexpirienced but that doesnt help her nor would any financial aid office care. She HAS the money, the college is getting paid, there is literally zero reason why Maya would drop out.

And Maya did do some research on it, she said to the MC, the only solution would be if she applies for a student loan, a real one this time, with a lender or 3rd party agency, however understandably, she doesnt want to be a quarter of a million in debt. And again Im gonna assume you are not from the US, that would easily snowball into half a million or more with interests, obviously depending on how fast she can pay back the loans. The US doesnt have interest free student loans, like so many other countries, like everything else, its a buisness.

So even if Maya, Josy and the MC would be financial wizzards, there is no solution other than a miracle, and thats where Sage comes in. Now if you think thats unrealistic, thats fair, I'd even agree with you on that one. I personally disliked the whole college loan disaster from day 1 and I said so many times on this forum, but what happens after as DPC told the story so far, is legit, there are no backdoor, short cuts or hail marys. Maya either caves to her dad or she needs a miracle.

I hope I managed to clear that up, I tried my best .

 

[Ir0n Ma1den]

We have chad in the game but where is GIGA CHAD

 

[JETracktor]

We have chad in the game but where is GIGA CHAD

View attachment 1741463

 

[fool1200]

Okay, now I can at least tell what your missunderstanding is and I assume you are not from the US ?

Let me try to explain. In the US you have to first seperate subsidized student loans and none subsidized student loans. None subsidized loans, like the one Maya has, usually come from a lender which is tied with the goverment or 3rd party private loan service agencys. In ALL those cases the student does not interact with the money or has access to the money in any way, its an automated process, the money goes from the lender/3rd party to the College.

In BaDIK, at least as DPC told the story so far, Maya and her father went a different route, they went directly to their bank and when people do that, they usually have a long relationship with that bank and are in good standing. Now when a bank owes you money, its yours, they dont care if you buy burgers with it or sportscars, they just want their money back. When the bank approved the loan and contacted Maya to sign the contract, she took her dad with her, because she is inexpirienced in all financial matters.

Now to keep interessts low, her dad cosigned her loan, meaning if for whatever reason Maya cant pay her loan back, her dad has to. But when it was time to sign the contract ( which is very very different to cosigning the loan ) for a lack of better words, he tricked her, and Maya signed controlling power of her loan over to her dad. Its that control, that her dad is using now to keep Maya in check and to control her. In day to day language, people might refer to it as a student loan, but it really isnt, its a bank loan.

Now as you probably can see by now, no college financial aid office can help her. Maya signed a bank loan for probably in the range of 100k-120k to cover all 4 years, nobody can fix that. The money is for all intents and purposes hers, the fact that she signed control over it to her dad, makes her naiv and inexpirienced but that doesnt help her nor would any financial aid office care. She HAS the money, the college is getting paid, there is literally zero reason why Maya would drop out.

And Maya did do some research on it, she said to the MC, the only solution would be if she applies for a student loan, a real one this time, with a lender or 3rd party agency, however understandably, she doesnt want to be a quarter of a million in debt. And again Im gonna assume you are not from the US, that would easily snowball into half a million or more with interests, obviously depending on how fast she can pay back the loans. The US doesnt have interest free student loans, like so many other countries, like everything else, its a buisness.

So even if Maya, Josy and the MC would be financial wizzards, there is no solution other than a miracle, and thats where Sage comes in. Now if you think thats unrealistic, thats fair, I'd even agree with you on that one. I personally disliked the whole college loan disaster from day 1 and I said so many times on this forum, but what happens after as DPC told the story so far, is legit, there are no backdoor, short cuts or hail marys. Maya either caves to her dad or she needs a miracle.

I hope I managed to clear that up, I tried my best .

Thanks for putting in the time to write all this up. I am from the US, but now I see where my issue is - the "student loan" concept is so ingrained in my head, that I did not consider for one second that the loan Maya is currently under is not a student loan. (I really don't think any sane person would get a non-student loan for college, but Maya's dad is not really sane, so that does make sense.)

What you said makes sense for a non-student loan, but there are some nuances. First, the loan would not be made to Maya. I mean, seriously, no bank agent will just give an 18 year old 100-120k - they still want the money back, after all. Personal loan in that amount would only be made to some with good credit rating, with collateral to boot. (Student loan is made to the student because bankruptcy discharge of student loan is very hard.)

So the realistic scenario is that the current loan is made to the dad, with him pledging his house/business as collateral, and Maya is just a co-signer. It will hurt the dad a lot more if the loan is not paid back.

In light of the above, there's no real reason why Maya can't take a student loan (unless she is not ready to deal with a real student loan's consequences, which is a legit concern).

------

Separate from the game scenario, look at what we have accomplished - the few of us, none being financial experts (I assume) just spending our spare time talking about things, already figured out a lot. Just think what could be accomplished if Maya talks to an advisor at the school financial office, who deals with this kind of issues routinely. My beef is really just no one even surfaced this idea.

 

[godkingxerxes]

We have chad in the game but where is GIGA CHAD

View attachment 1741463

His name is Caleb.

My life isn't complete til MC fights him and we get the option to break his arm.

 

[Heycock]

We should make a drink game with the words "bad writing" and "Maya is naive".

About Maya: If you think that Maya is stupid... well, you simple are not reading the story right.
I just wacthed the tv show "Sucession". I strongly recomended. It's about a family of really rich busnisemans. The father and head of family fool his son to sign some papers to screw him, in a similar way that Patrick did with Maya.
Yet this guy, the son, is not presented as an idiot, it's presented as a grown up man who has been preparing all his life to run a multimillionaire company and that actually did it for some time.
Noone complains. Noone claim his stupid.

With Maya is the same. The only difference is his mistake is way more understandable and that you have a really vocal group of people dissecting whatever shit she does since the Maya and Josy thing from ep4.

Maya is presented as a sweet girl, excelent student, who has a problem she can't solve. It's a trigger for a plot. If she could solve the problem there would not be a plot. The rest came for over-analysing or hate.

 

[fool1200]

Maya's problem is that Maya doesn't want to solve her problems, but wants someone to do it for her. As I said, this is her character trait. She's so used to it that her father decides everything for her and doesn't even risk finding a job on her own, lol. And those who can help her do not understand anything about it. МС repaired the mansion and fucked chicks throughout season 2 (I would do the same in his place), and Josie seems to also care about her problems and parties in HOTs.

Ironically, only Sage is really interested in solving her problems, whereas her closest people, such as Derek, MC and Josie literally don't care about her.
I do not know if it was done on purpose or by accident, but it suggests certain thoughts.

Actually Derek, MC and Josie not caring very much does not surprise me - I think's it's fairly realistic that a bunch of college freshmen wants to enjoy the parties, not really understanding the gravity of the situation that Maya is in.

My point is really just that they, to varying extents, have spent time with Maya trying to deal with the problem. And even if they don't really care, they still need to pretend to care during that amount of time, and throwing out an idea of "go talk to school/bank" would be the easiest idea to come up.

 

[TimHawk]

Thanks for putting in the time to write all this up. I am from the US, but now I see where my issue is - the "student loan" concept is so ingrained in my head, that I did not consider for one second that the loan Maya is currently under is not a student loan. (I really don't think any sane person would get a non-student loan for college, but Maya's dad is not really sane, so that does make sense.)

What you said makes sense for a non-student loan, but there are some nuances. First, the loan would not be made to Maya. I mean, seriously, no bank agent will just give an 18 year old 100-120k - they still want the money back, after all. Personal loan in that amount would only be made to some with good credit rating, with collateral to boot. (Student loan is made to the student because bankruptcy discharge of student loan is very hard.)

So the realistic scenario is that the current loan is made to the dad, with him pledging his house/business as collateral, and Maya is just a co-signer. It will hurt the dad a lot more if the loan is not paid back.

In light of the above, there's no real reason why Maya can't take a student loan (unless she is not ready to deal with a real student loan's consequences, which is a legit concern).

------

Separate from the game scenario, look at what we have accomplished - the few of us, none being financial experts (I assume) just spending our spare time talking about things, already figured out a lot. Just think what could be accomplished if Maya talks to an advisor at the school financial office, who deals with this kind of issues routinely. My beef is really just no one even surfaced this idea.

Yes, her dad co-signed the loan, without her dad taking on reliability, there is no way in hell she wouldve ever gotten that loan. And considering that he had to do the same for Derek, that's a serious amount of dough, so yeah I too believe he had to put some serious colleteral up for it.

And I very much agree, that it was incredibly naive from Maya to not go the normal student loan route, I guess she thought with Derek getting the same treatment, that thats how its supposed to work. But maybe both of them underestimated just how much of an control freak their dad is, and now she has to pay the price. If nothing else, it should be a 1st class life lesson tho, never trust anyone when money is involved and always do your own research.

 

[sixart]

I know you didn't bother (I should have make it into three separate posts lest it's confusing) man, imagining the same topic goes on and on till next update I wouldn't mind if theory crafting talents start writing fan fictions, like the tragic story of Isabella Roberts, the forever step sibling love and feud between Josy and Tommy, or Arieth's HOT scavenger hunt...

Till NEXT UPDATE ??? Quite the optimistic... Dalli what do you say in this matter ?!

 

[Ilhares]

View attachment 1741424


View attachment 1741425

It's nice to not be the only one in the Old Man club, it just freaks me out a little bit to see somebody else with UofM references. OFT, are you a local?

I had some of my best weekends hanging out with the girls in their on-campus dorms. I wasn't as dick-blinded as MC, but hooboy, I enjoyed being as carefree.

 

[fool1200]

We should make a drink game with the words "bad writing" and "Maya is naive".

About Maya: If you think that Maya is stupid... well, you simple are not reading the story right.
I just wacthed the tv show "Sucession". I strongly recomended. It's about a family of really rich busnisemans. The father and head of family fool his son to sign some papers to screw him, in a similar way that Patrick did with Maya.
Yet this guy, the son, is not presented as an idiot, it's presented as a grown up man who has been preparing all his life to run a multimillionaire company and that actually did it for some time.
Noone complains. Noone claim his stupid.

With Maya is the same. The only difference is his mistake is way more understandable and that you have a really vocal group of people dissecting whatever shit she does since the Maya and Josy thing from ep4.

Maya is presented as a sweet girl, excelent student, who has a problem she can't solve. It's a trigger for a plot. If she could solve the problem there would not be a plot. The rest came for over-analysing or hate.

I actually consider Maya's POV quite realistic. For a 18 yo who kinda grew up in a sheltered life, her reaction/confusion to the situation she's in is fairly genuine. My issue lies squarely with DPC keeps dragging the plot through this muddy confusion land, when the situation can be much cleaner with just a bit more explanation as to what is really going on.

 

[vogelbeest]

Never sign a contract a used car salesman presents to you.... It's that easy...
It's signed, you're screwed... you just bought a car wreck at an extremely overrated amount at disastrous interest rates.
Maya's student loan is just that, except she didn't buy a car wreck.... she bought an education on her father's terms...

And forget that other loan.... you're registered now. gum anybody?

 

[Heycock]

I actually consider Maya's POV quite realistic. For a 18 yo who kinda grew up in a sheltered life, her reaction/confusion to the situation she's in is fairly genuine. My issue lies squarely with DPC keeps dragging the plot through this muddy confusion land, when the situation can be much cleaner with just a bit more explanation as to what is really going on.

I know, i read your post. Some people just are going to take the oportunity to smash Maya couse they hate her and some others will throw her under the bus to defend the story.

My thoughts about your argument is that you are over-analizing it. There are a number of plotholes in the story, (why Quinn didn't told the diks they were going to party with the preps in ep5, why Sage never realize that Chad was gay, why Bella being a teacher after Cathy incident fucked the MC in the diks mansion pretty muhc in front of all diks, etc). If you use the same chriteria liek this guys all of them are retarded. Yet they are just plotholes.
But i don't think that's bad writing. Pretty much every popular story nowadays have them. But the quality of the story don't rely on thoose things. It's the hability of the writer to read people fantasies and use them in their story, the quality of the prose, the timing in combining dramatic with comic moments, the build of a fictional complex world and things like that.

 

[Riggnarock]

Yes, her dad co-signed the loan, without her dad taking on reliability, there is no way in hell she wouldve ever gotten that loan. And considering that he had to do the same for Derek, that's a serious amount of dough, so yeah I too believe he had to put some serious colleteral up for it.

And I very much agree, that it was incredibly naive from Maya to not go the normal student loan route, I guess she thought with Derek getting the same treatment, that thats how its supposed to work. But maybe both of them underestimated just how much of an control freak their dad is, and now she has to pay the price. If nothing else, it should be a 1st class life lesson tho, never trust anyone when money is involved and always do your own research.

I Myself am quite the helper, so as soon as i got enough money i would walk up to her dad, and tell him that i can pay off her colege life, and if he ever wants to be a part of her life he should make aments to her and beg for forgiveness, then we'll see how much of a controll freak he can be

 

[fool1200]

Yes, her dad co-signed the loan, without her dad taking on reliability, there is no way in hell she wouldve ever gotten that loan. And considering that he had to do the same for Derek, that's a serious amount of dough, so yeah I too believe he had to put some serious colleteral up for it.

And I very much agree, that it was incredibly naive from Maya to not go the normal student loan route, I guess she thought with Derek getting the same treatment, that thats how its supposed to work. But maybe both of them underestimated just how much of an control freak their dad is, and now she has to pay the price. If nothing else, it should be a 1st class life lesson tho, never trust anyone when money is involved and always do your own research.

I mean, her not going with normal student loan does have the benefit of she doesn't need to personally pay the money back to the bank. The best case scenario for her would be to enjoy her life, spend all her money and don't save, don't pay the loan back when the principal is due, declare bankruptcy, and make her dad pay the loan. Her credit rating will plummet, but that's fixable (to some extent) and still better than being hundreds of thousands of dollars in debt.

 

[TimHawk]

There are a number of plotholes in the story, (why Quinn didn't told the diks they were going to party with the preps in ep5, why Sage never realize that Chad was gay, why Bella being a teacher after Cathy incident fucked the MC in the diks mansion pretty muhc in front of all diks, etc).

Quinn explained it, there was nothing she could do about it anyway, and she knew Tommy would go ballistic, so she avoided it altogether.

Sage not realising that Chad is gay, well it happend to countless married couples, so thats really not a stretch.

Why Bella decided to sleep over at the dik mansion sucking the MC off ? Yea I got nothing on that one.

 

[fool1200]

I know, i read your post. Some people just are going to take the oportunity to smash Maya couse they hate her and some others will throw her under the bus to defend the story.

My thoughts about your argument is that you are over-analizing it. There are a number of plotholes in the story, (why Quinn didn't told the diks they were going to party with the preps in ep5, why Sage never realize that Chad was gay, why Bella being a teacher after Cathy incident fucked the MC in the diks mansion pretty muhc in front of all diks, etc). If you use the same chriteria liek this guys all of them are retarded. Yet they are just plotholes.
But i don't think that's bad writing. Pretty much every popular story nowadays have them. But the quality of the story don't rely on thoose things. It's the hability of the writer to read people fantasies and use them in their story, the quality of the prose, the timing in combining dramatic with comic moments, the build of a fictional complex world and things like that.

In the end, it's a matter of suspension of disbelief. Sure most works have plot holes, but it's different if you keep the holes front and center so people notice easily, or you shove it in the background so people don't pay too much attention.

For example, Bella sleeping with MC in DIK house, that could be a plot hole, but at the end of the day it's just a one-shot, quick scene that's not brought up again, so people don't pay attention/care too much.

If you keep your plot hole as one of the main conflicts of the plot, of course people will notice.

 

[Kronicza7x]

How do you post a video here?

 

[Heycock]

Quinn explained it, there was nothing she could do about it anyway, and she knew Tommy would go ballistic, so she avoided it altogether.

Sage not realising that Chad is gay, well it happend to countless married couples, so thats really not a stretch.

Why Bella decided to sleep over at the dik mansion sucking the MC off ? Yea I got nothing on that one.

But man, you are just taking Quinn explanation as it has sense. It doesn't. If they are going to cancel a meeting with you it's better if they tell you first and not if they on top of that they let you hanging. Tommy wouldn't like it, but still better. (Also to party with preps was Quinn idea, is not that she could do nothing to stop it, is that she make the whole thing happens)
Maya also gives an explanation to why she signed the co-loan, it actually has more sense than Quinn's explanation but you are not taking into account.

And about Sage, yeah a lot of people dont realize... but a lot of people are victims of fraud of it's own family... The question is why Maya is naive and stupid and Sage is not...