Preview theory 2.
A man's voice says to Maya "So you're the person who escaped from my bedroom window 2 months ago". Maya can only marvel and the MC looks to the side in embarrassment, knowing that he is actually meant. Sage is just furious at this insolence and asks about her father. Josy is surprised that her father assumes that she had sex with Maya and Pete is not angry about it. A happy mistake for Josy and Maya.
Yes, I would imagine that the hand belongs to Pete, Josy's father. Why? He works in finance and might know about Maya's problem. Stephen could have asked the company Pete works for to have a professional present at the meeting, and that professional is Pete. But at least this way Josy knows the deal will have a hand and a foot.
But what might the deal look like. Pete loves his daughter and will buy them time so the problem can be solved. Josy has tuition for the entire college years. Pete could split the money and buy time. Sage will talk to her father so Maya and Josy can work in the college cafeteria. In the process, they will also meet Zoey. This is fortunate for all three of them. Zoey will no longer get the MC as a boyfriend if the MC has a LI. It doesn't matter which LI, because Zoey is not an LI. But they will be thick friends again and Zoey will help her MC. Josy and Zoey pretend to be girlfriends and the MC pretends to be Maya's boyfriend. Patrick falls for it and waives the tuition. As a thank you for Zoey's help, she is invited to a movie night that ends with group sex.