shazba

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Aug 4, 2020
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Because at the end of the day, this student loan business with a girl without a job as guarantor, if you put your mind to it, but you have to put your mind to it, makes a little sense.

Never give up
The easy way out for DPC on this debacle is very, very simple: Patrick lied to Maya (i.e. he's bluffing). There is no other solution.

But we should all know the true story by now... :giggle:
 

NebulousShooter

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Oct 24, 2018
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I don't see that he really has any intersection with MC, so I don't see what a red herring that would be
Was referring to the timing of the dead grandma and if he never actually did anything wrong to the MC would be easier to connect with him if related. But I tend to go with DPC mind games, if I had to guess.
 

felicemastronzo

Devoted Member
May 17, 2020
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The easy way out for DPC on this debacle is very, very simple: Patrick lied to Maya (i.e. he's bluffing). There is no other solution.

But we should all know the true story by now... :giggle:
after killing Jill cerebrally, it is not out of the question that he kills Maya as well, after all, they are kids in love

and the BR selects only the best of American youth

I don't think DPC will ever do that, he is proud of his perfect plan
 

Darkwen

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Nov 10, 2020
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Because at the end of the day, this student loan business with a girl without a job as guarantor, if you put your mind to it, but you have to put your mind to it, makes a little sense.

Never give up
If the loans are in Patrick's name or if he co sign so Maya can get the loan I think it works, that DPC is a fucking lazy ass milker:Kappa::ROFLMAO:
 

felicemastronzo

Devoted Member
May 17, 2020
11,864
22,870
Was referring to the timing of the dead grandma and if he never actually did anything wrong to the MC would be easier to connect with him if related. But I tend to go with DPC mind games, if I had to guess.
but in what sense? i don't understand

do you think Rich and MC might be related and contenders for inheritance? that the dead grandmother is Lynette's mother?

may be, after all it was not clear what motivation the money that came to MC had....


If the loans are in Patrick's name or if he co sign so Maya can get the loan I think it works, that DPC is a fucking lazy ass milker:Kappa::ROFLMAO:
except for the curious detail that if Maya does not repay the debt it is she who ends up bankrupt....
basically Maya borrows for her father, what a golden child!!!!:love::love::love:
 
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shazba

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Aug 4, 2020
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If the loans are in Patrick's name or if he co sign so Maya can get the loan I think it works, that DPC is a fucking lazy ass milker:Kappa::ROFLMAO:
except for the curious detail that if Maya does not repay the debt it is she who ends up bankrupt....
basically Maya borrows for her father, what a golden child!!!!:love::love:
Loans 101 for anyone who doesn't know shit about getting a loan (looking at you Maya):
  1. Typically you can't get a loan if you don't have a means to paying it off (income or collateral)
  2. A guarantor or co-signer can help you with this, but they have to prove they have the means to pay it off (income or collateral).
  3. You can't be a co-signer or guarantor if you don't have any income or collateral.
  4. Student loans typically don't need a guarantor or co-signer anyway since it's all about helping you to get to the point where you will have an income.
So ultimately if what Maya believes is true (that she is a co-signer on the loan), it would mean that she and her dad are equally responsible for paying her loan. If she doesn't pay it off, her dad still has to, or if he doesn't pay it off, she has to. The bank doesn't give a fuck, they either both pay the loan off or they both get bad credit ratings.

Now typically she should be the borrower (not the co-signer) and her dad would be the co-signer, not the other way around as the game has it. Because that would mean she passed a credit check and has either the income or collateral to pay the loan off, which we know she doesn't.

Also, Maya isn't a guarantor (meaning she's 100% responsible for the loan if her dad doesn't pay). She's a co-signer, meaning she's equally responsible as her dad. If she was the borrower and her dad was the co-signer (which is how it should be), or the other way around (where Maya is the co-signer - as she believes the case to be), it doesn't change the outcome. They both have to pay and it means the dad doesn't actually have any leverage.

So all of that means that DPC doesn't know what he's on about, or Maya doesn't know what she's on about. Both are plausible. So I'll just go with the one that works: Maya's dad bullshitted her to scare her into doing what he wants and she doesn't know shit about loans and never thought of looking for information on the Internet. The girl is looking for a degree in social work... :rolleyes:

EDIT: It seems that in some circles, a co-signer is the same as a guarantor (which means ultimately Maya would be responsible for the debt even though she couldn't have proven to have income or collateral in the first place). Other sources indicate the co-signer is almost like a co-borrower (except the co-signer doesn't get anything tangible out of it). So that just fucks shit up even more. Ultimately Maya couldn't be either, she hasn't got shit.
 
Last edited:

Hahn1900

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Jan 3, 2021
1,518
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Loans 101 for anyone who doesn't know shit about getting a loan (looking at you Maya):
  1. Typically you can't get a loan if you don't have a means to paying it off (income or collateral)
  2. A guarantor or co-signer can help you with this, but they have to prove they have the means to pay it off (income or collateral).
  3. You can't be a co-signer or guarantor if you don't have any income or collateral.
  4. Student loans typically don't need a guarantor or co-signer anyway since it's all about helping you to get to the point where you will have an income.
So ultimately if what Maya believes is true (that she is a co-signer on the loan), it would mean that she and her dad are equally responsible for paying her loan. If she doesn't pay it off, her dad still has to, or if he doesn't pay it off, she has to. The bank doesn't give a fuck, they either both pay the loan off or they both get bad credit ratings.

Now typically she should be the borrower (not the co-signer) and her dad would be the co-signer, not the other way around as the game has it. Because that would mean she passed a credit check and has either the income or collateral to pay the loan off, which we know she doesn't.

Also, Maya isn't a guarantor (meaning she's 100% responsible for the loan if her dad doesn't pay). She's a co-signer, meaning she's equally responsible as her dad. If she was the borrower and her dad was the co-signer (which is how it should be), or the other way around (where Maya is the co-signer - as she believes the case to be), it doesn't change the outcome. They both have to pay and it means the dad doesn't actually have any leverage.

So all of that means that DPC doesn't know what he's on about, or Maya doesn't know what she's on about. Both are plausible. So I'll just go with the one that works: Maya's dad bullshitted her to scare her into doing what he wants and she doesn't know shit about loans and never thought of looking for information on the Internet. The girl is looking for a degree in social work... :rolleyes:

EDIT: It seems that in some circles, a co-signer is the same as a guarantor (which means ultimately Maya would be responsible for the debt even though she couldn't have proven to have income or collateral in the first place). Other sources indicate the co-signer is almost like a co-borrower (except the co-signer doesn't get anything tangible out of it). So that just fucks shit up even more. Ultimately Maya couldn't be either, she hasn't got shit.

Yeah that was a issue that bothers me from the start... the whole maya-loan thing is not plausible if you know just a little bit about these things.

I shrugged it off... cause, well... this game is pretty much a soap opera with a lot of porn. And DPC made many little errors here and there in his two games logical wise.

Many movies, series, books whatssoever make the same mistakes over and over again being unrealsitc in some ways, just for the sake of drama.

Or they go the easy way like the movie "Ronin" (the one with robert de niro) where they chase a coffer... just a coffer, nobody knows anything about it... something like that is called a "macguffin"

The maya predicament is just that... a "Macguffin" and those dont follow logical rules.
I think DPC doesnt care if its in any way realistic or not. This is a issues with many theories around here too... way to many people are thinking way to "realistic" about what is going on in the game (including me, many times)... the whole sex-circle thing for example, there is NO WAY this thing doesnt go to the authorities one day... all it needs ... Mona calling the police, and plop thats it, there are more than enough witness and documents already, no way burke can hide this shit if somebody would REALLY investigate only two minutes on campus. But no, she left the college in silence... this is of course not realistic.

I mean, just watch one epsiode of ANY soap opera in TV, only one... you will constantly smash your head on the table cause every minute its just way to unrealistic and not plausible if you dont "oversee" those things.

I think, regarding this game... (and i include myself) we have to learn to "oversee" many things cause otherwise the game and the story doesnt work, problem is, we dont know which things we should "oversee" cause DPC made an "error" just to make it easier for him or he didnt care...Or if he actually exactly knows what he was doing and set up a false track for us... the problem is, we cant differentiate here, cause we dont know what is going on in DPCs head.

For example the theroies about with whom the MC is related... i ruled it out that it can be the burgmeisters, burkes or royces, cause the surname of Lynette HAS to be on the inheritance or at least known by Neil... if it would be burgmeisters, Burke or Royce, neil or MC would have mentioned that... but i can be wrong here, cause what if DPC just dont care about this problem? It just slipped his mind that something like a surname is present on a inheritance latter, or should be in the mind of Neil... DPC can pretty much decide "ah fuck it, i pull out that the MC is indeed a Burgmeister anyway, dont care if it makes sense in a logical way"

and like that it can be pretty much with every theory we have. For many things DPC could have just decided to do things his way and doesnt care if something is realistic or plausible... and cause nearly every soap opera out there operates like this, it would be a big suprise if this isnt the case with this game :D

Its fun to build theroies, and to say "whoa that is not possible, cause it isnt realisic" but everytime we hit this wall... DPC can just decide "well fuck realism, here you go"

And of course, there is real freaking much unrealistic shit going on in the game so far, starting by the enormous dick of the MC, ending with that he has more hair on his head AFTER a haircut than before... :D and yeah... storywise too.
 
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felicemastronzo

Devoted Member
May 17, 2020
11,864
22,870
Yeah that was a issue that bothers me from the start... the whole maya-loan thing is not plausible if you know just a little bit about these things.

I shrugged it off... cause, well... this game is pretty much a soap opera with a lot of porn. And DPC made many little errors here and there in his two games logical wise.

Many movies, series, books whatssoever make the same mistakes over and over again being unrealsitc in some ways, just for the sake of drama.

Or they go the easy way like the movie "Ronin" (the one with robert de niro) where they chase a coffer... just a coffer, nobody knows anything about it... something like that is called a "macguffin"

The maya predicament is just that... a "Macguffin" and those dont follow logical rules.
I think DPC doesnt care if its in any way realistic or not. This is a issues with many theories around here too... way to many people are thinking way to "realistic" about what is going on in the game (including me, many times)... the whole sex-circle thing for example, there is NO WAY this thing doesnt go to the authorities one day... all it needs ... Mona calling the police, and plop thats it, there are more than enough witness and documents already, no way burke can hide this shit if somebody would REALLY investigate only two minutes on campus. But no, she left the college in silence... this is of course not realistic.

I mean, just watch one epsiode of ANY soap opera in TV, only one... you will constantly smash your head on the table cause every minute its just way to unrealistic and not plausible if you dont "oversee" those things.

I think, regarding this game... (and i include myself) we have to learn to "oversee" many things cause otherwise the game and the story doesnt work, problem is, we dont know which things we should "oversee" cause DPC made an "error" just to make it easier for him or he didnt care...Or if he actually exactly knows what he was doing and set up a false track for us... the problem is, we cant differentiate here, cause we dont know what is going on in DPCs head.

For example the theroies about with whom the MC is related... i ruled it out that it can be the burgmeisters, burkes or royces, cause the surname of Lynette HAS to be on the inheritance or at least known by Neil... if it would be burgmeisters, Burke or Royce, neil or MC would have mentioned that... but i can be wrong here, cause what if DPC just dont care about this problem? It just slipped his mind that something like a surname is present on a inheritance latter, or should be in the mind of Neil... DPC can pretty much decide "ah fuck it, i pull out that the MC is indeed a Burgmeister anyway, dont care if it makes sense in a logical way"

and like that it can be pretty much with every theory we have. For many things DPC could have just decided to do things his way and doesnt care if something is realistic or plausible... and cause nearly every soap opera out there operates like this, it would be a big suprise if this isnt the case with this game :D

Its fun to build theroies, and to say "whoa that is not possible, cause it isnt realisic" but everytime we hit this wall... DPC can just decide "well fuck realism, here you go"

And of course, there is real freaking much unrealistic shit going on in the game so far, starting by the enormous dick of the MC, ending with that he has more hair on his head AFTER a haircut than before... :D and yeah... storywise too.
with Maya's loan, however, it is DPC who wanted to get into a dead end. Maya only had to say that her father would not pay for her college if she continued to date Josy, there was nothing more to say

but DPC wanted to construct a hyperdramatic situation in which Maya had absolutely no way out, only darker despair and meaningless choices dictated by it

and to convince us as well, he occasionally has Maya tell us about it, one little piece at a time so that we don't catch the overall absurdity right away, and by the ninth chapter we will have yet another little piece of administrative law in duckburg
 

allanl9020142

Well-Known Member
Aug 23, 2018
1,313
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Quinn (and probably Rio given she's clearly the second in command in the prostitution/drugs business) are juniors I believe (hard to believe Quinn is Sage's handpicked successor if she's only been there for a year. Sarah and Mel are established in the college and the business so they are probably second years as they don't appear to be the same level as Rio in the business. Elena and Heather are unknown, but Heather has to be at least a junior as she appears in the flashback of the forming of the DIK frat.
Yea, that's more or less what I thought too
 

allanl9020142

Well-Known Member
Aug 23, 2018
1,313
2,116
Loans 101 for anyone who doesn't know shit about getting a loan (looking at you Maya):
  1. Typically you can't get a loan if you don't have a means to paying it off (income or collateral)
  2. A guarantor or co-signer can help you with this, but they have to prove they have the means to pay it off (income or collateral).
  3. You can't be a co-signer or guarantor if you don't have any income or collateral.
  4. Student loans typically don't need a guarantor or co-signer anyway since it's all about helping you to get to the point where you will have an income.
So ultimately if what Maya believes is true (that she is a co-signer on the loan), it would mean that she and her dad are equally responsible for paying her loan. If she doesn't pay it off, her dad still has to, or if he doesn't pay it off, she has to. The bank doesn't give a fuck, they either both pay the loan off or they both get bad credit ratings.

Now typically she should be the borrower (not the co-signer) and her dad would be the co-signer, not the other way around as the game has it. Because that would mean she passed a credit check and has either the income or collateral to pay the loan off, which we know she doesn't.

Also, Maya isn't a guarantor (meaning she's 100% responsible for the loan if her dad doesn't pay). She's a co-signer, meaning she's equally responsible as her dad. If she was the borrower and her dad was the co-signer (which is how it should be), or the other way around (where Maya is the co-signer - as she believes the case to be), it doesn't change the outcome. They both have to pay and it means the dad doesn't actually have any leverage.

So all of that means that DPC doesn't know what he's on about, or Maya doesn't know what she's on about. Both are plausible. So I'll just go with the one that works: Maya's dad bullshitted her to scare her into doing what he wants and she doesn't know shit about loans and never thought of looking for information on the Internet. The girl is looking for a degree in social work... :rolleyes:

EDIT: It seems that in some circles, a co-signer is the same as a guarantor (which means ultimately Maya would be responsible for the debt even though she couldn't have proven to have income or collateral in the first place). Other sources indicate the co-signer is almost like a co-borrower (except the co-signer doesn't get anything tangible out of it). So that just fucks shit up even more. Ultimately Maya couldn't be either, she hasn't got shit.
Man, can't believe it's been so long since an update to the main game that we've gone full circle. Ah, how time flies. Am I right? Lol.
 
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allanl9020142

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Aug 23, 2018
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Technically it's during the Financial Crisis class, but otherwise you are correct:
View attachment 2127210

As far as the HOTs, my guess is: Quinn, Heather and (probably) Elena are juniors; Riona, Sarah and Mel are sophomores; and Arieth has been there for at least 4 years, but may not qualify as a senior.
Really makes you wonder what the admission standards are for that school if Arieth got in or ... that weird ponytail guy is her dad and he just made a very "generous donation" to the school around the time she applied.
Also that guess is closer to mine than the last guy but my gut feeling just wants to put Elena in her sophomore year. Otherwise, that's exactly what I'm thinking.
 
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