In May, Miguel, a 17-year-old college student, was introduced to Bluestone, the operator of a restaurant. Miguel and Bluestone entered into a written agreement whereby Bluestone hired Miguel as a waiter for the summer of 2020. Miguel at the same time took out a $5,000 student loan from Apple Bank in Brooklyn to pay his upcoming college expenses at Baruch. Miguel failed chemistry and decided that instead of working, he would go to summer school. Miguel immediately disaffirmed his obligations with Apple Bank and Bluestone. Apple Bank sues Miguel. What rights, if any, does Apple Bank have against Miguel