This has been discussed to death, but the false assumption here is that Maya knows what she's talking about. She doesn't. So specific details from her regarding a loan she doesn't understand are likely to be incorrect.
Just like Tybalt's blackmail of Jill was all bluff and no balls (while people insisted on debating the legality of it all, when it was as obvious as the dick between the mc's legs that he was bluffing to trick Jill), so too is Maya's dad bluffing.
As long as Maya believes in her dad's lies, he has control over her. She just needs some goof legal advice, from a pro bono lawyer, or pretty much anyone with half a brain, and she can stand up to her dad's bullshit.
And for the record, here's the
back story to the loan (
it's also possible that this is bullshit too...)