Thank you for your reply!
Sorry for lack of my English, but it went like this: At the third year, the professor that supervise my sister decided that she is not suitable for the doctorate. And apparently they made my sister to fill a form about them that make things legally clear for them. She noticed this after returning and cut ties with the university.
Thank you for your reply!
Not exactly like that but what happened is close to that. Yeah, it's quite stressful.
I think bankruptcy wouldn't work because the government wants two other guarantor beforehand for this in case of repay. So technically there are two families at stake in this situation. :(