The Maya loan is actually very simple, Maya believes she signed a contract that gives her father power over her. Her father is a used car salesman, she got screwed over and didn't even get a car. Is it naive? Yes, is it impossible? No...
Instead of her getting a job, breaking up with Josy, lawyers fixing her problem she is trying to get "free tuition", a choice that already got her (and Josy) into the HOT's, but without any doubt will lead her into a situation she feels her only choice is to have sex with an old man to solve her problems with her dad or seek another escape. (possibly a very bad ending)
Maya's blackmail situation,
Quinn's restaurant and Burke's sex for tuition are effectively the same storyline, there's simply not gonna be any story progress if Maya's problem is solved before its time.... The restaurant girls suck happy ever after and Burke will make many girls happy with free tuitions. And we all know it's not gonna be like that...
It's a game, not a legal documentary, Maya believes this is her situation, just believe in Patrick's power of convincing...

If there's a law there's a used car salesman (or a telemarketeer) that knows the way around it...