Probably the most reasonable part in the whole discussion. They don't know what they signed. The Jill's question and explanations are also a good clue, that it's probably not the proper "student loan" but a loan of the other type and nature used to pay for the tuition. And the "Finnman bank" is the one, that's probably gives loans and credits for Patrick's car dealership customers. Patrick used exactly this bank to get the loan for Maya & Derek. And MC reads all that from the papers in the binder. And what's more interesting - Helen's bills (which are paid) is in the same binder, for some reason. Coincidence?
I was expecting for more spicy and nasty options, tbh
If it's a binder of loan paper work, it's not a coincidence it's just logic.
Briefly, let me explain why this loan storyline is so fucked up. Banking laws regulate who can borrow money. It differs slightly in each jurisdiction but simply put. you can borrow money if you prove that it's reasonable that you can pay it back. Governments do this to ensure that the banks don't go bust and ruin the economy. (that's the theory anyway).
Now let's look at Maya's loan. When you take a loan, it's paid to the primary borrower directly or to an institution designated in the loan agreement, like a college or someone you are buying a house from or etc. This part of the loan agreement is regulated, you can't just take out a loan to pay to your cousin Charlie because you like him. The bank would never grant such a loan because the government would be all over their ass if they did.
Now what kind of loan is Maya dealing with? We don't know yet but there are only so many scenario's for this.
Maya takes a loan to pay for college. This is a loan she would never get because she's not a qualified borrower, there's no reasonable expectation that she can pay it back. Now if Patrick, her Father who has a house, a car, a business co signs her loan then she would be paid her money directly or it would be paid to B & R, Patrick would never touch it. But if the loan defaulted, the bank would go after Maya's assets, see she had none, then turn to Patrick, the co signer to collect their debt. Good for Maya but it doesn't work for DPC or his story.
Patrick takes a loan to pay for Maya's college. This is a possible loan. Patrick has a house, a car, a business, it's reasonable that he can repay it. What's not reasonable is that Patrick could add Maya as a cosigner. Why? Because it's redundant, Patrick can pay back the loan. Because Maya is not a qualified borrower. And because the bank would never grant such a loan because the government would be all over their ass if they did.