Am I the only one who never had a problem with the student loan situation?
Yes, it's not how they work, but how do people learn that? Typically from their parents. The vast majority of people across the world are immensely vulnerable to being screwed over by their parents. Most parents just don't do something like that.
Then you add other factors that would just make it easier. First as the whole thing was a ploy to break Maya and Josy up, Patrick had obviously learned about it and exploded to Maya's face. Is it surprising that a 19-year-old girl was too scared to read the small print properly? Second Maya's romance just had a massive obstacle thrown at it. That sort of thing distracts people. Especially when you're young. Third if Patrick's abuse was consistently physical in nature and fuelled by acute anger, would Maya and Derek be in any way expecting something cold blooded and subtle.
The characters are young. Being ignorant is just plain realistic. So is being distracted by strong emotions. They may be legally adults, but that doesn't mean they've suddenly gained adult maturity. It takes time to become a proper adult. Most people don't manage it in their early twenties. Depressingly many people don't manage it by their seventies.
the problem with student loans is not that only Maya, Derek, Josy, and MC don't know how it works (and MC has one, so an idea should)
even Sage despite being a brilliant student, at least according to Bella, or Jill are the least bit suspicious of Maya's story. their problem is that she hasn't read it (spoiler: almost no one reads and especially understands what he signs, we trust whoever proposes it to us, we have someone knowledgeable read it...)
but in the end even Bella doesn't make a dent in Maya's account, she has to see the documents, because only by seeing them will she be able to say what should be obvious.
and here then we come to the real problem with Maya's borrowing: a constant waiting for something to happen and then when it does happen it only leads to waiting for something else.
first we teend that Maya trusts Maya enough to talk about it, then we wait for the scavenger hunt to end, although there is little doubt that Quinn will not give Maya anything, then we wait for Maya to talk to Sage, then we wait for Sage to set up this appointment, then we wait for Jill to get Maya to talk to her lawyer, but that is not before waiting for the boys to get hold of the documents.
so it's not enough to say “the kids may not know,” they've been dealing with it for months, in an ever-increasing number, they're at a college where any counselor, professor should be able to clear it up.
the loan stopped being drama as early as the first season, and since then it's just a ploy to keep them running around and postpone the breakup of the trouple and thus the start of new runs
