An inferiority complex is a term defined by Alfer Adler, that describes a psychological condition, which deals with an individual's feeling of lack and considered to be intense that proper living is subverted.
Hence, in this case, given that, Chuck did not receive much encouragement from his caretakers and he was often harshly criticized in an unfair manner. According to Alfer Adler, it is likely that Chuck will develop AN INFERIORITY COMPLEX.
Based on Oliver's situation and his parents poor credit score, a recommended federal loan that could be appropriate for him would be the Subsidized Stafford Loan. This loan is based on financial need. The interest is paid for by the government while Oliver would be in school.