Laskern,
1. According to your view one should not ask for a scholarship. Commit to pay the entire tuition and hope that Hashem will provide.
2. We see from Yaakov Avinu that a sin can cancel a good decree (shema hachet yigrom). Hashem Himself gave Shmuel a cover story so that Shaul would not kill him.
3. There is no dispute. The Maharshal does not say that he has no means to repay. He just does not have cash at hand but he has collateral. The Gra says that no one will lend to him. Perhaps this is because he is known to be a deadbeat. In fact, it is prohibited to lend to him because of lifnei iver (the Chafetz Chaim discusses this in Ahavat Chesed).
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