DavDR
Engaged Member
- Oct 14, 2020
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I'm not sure what the laws are exactly on this one, but it's highly unlikely that a loan could be taken out without a clearly stated (and proven) purpose. Bank's follow up on that sort of thing, if only because regulators pay close attention (most banking laws, at their base purpose, have to do with tax avoidance and money laundering). As far as Maya as a co-signer, that's simply impossible. The bank simply would not allow the weight of the loan to be shifted to someone with absolutely no way to pay it.We are all assuming it’s a traditional student loan. As in it has caveats on how it’s spent.
This whole loan-argument-disbelief-thing becomes easily explained if it’s just a regular loan where her father is the primary and she co-signed it.
The only unbelievable part there is that at 18 she had the credit score to be a co-signer. Which isn’t a massive issue if her father was in good standing.
If it’s a regular loan and she’s the co-signer rather than the primary he would control the cash and her credit score would still be burdened with the loan.
She can’t get another student loan, he legally controls the cash and shes at his mercy for tuition to be paid. Just like the story says.
I never had an issue with the student loan thing because I just assumed she was the co-signer not the primary and thus she had all the burden of the debt on her credit score and none of the control.
I don’t consider it a secondary reality breaking suspension of disbelief to think at 18 she had a decent credit score. Short of us actually seeing the fucking fictional loan contract this will never be settled but there’s logical and consistent consistent with the story circumstances where Maya could be in this position.
Felice's point though was that the details behind the loan were totally superfluous, it's not something that we needed to know for the purposes of the story.