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
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