I.O.U.

choice to start: can come back 1 achievement point
Given by Calhoun

You borrowed 5000 Lims from Calhoun. You must pay it back, including 20% interest... 6000 Lims in total.

How to start

Starting this quest depends on your answer. One way of turning it down leads to a conversation with Calhoun that can come back and offers the quest again; the other answers lose it. Based on the game data; not confirmed in play. Tip: back up your save before a key conversation (copy the .sav file from the save folder).
Talk to Calhoun (Second chance to get the loan)
Clues· debt ≤ 0· money < 100
Dialogue2 decisions spoilers
Talk to Calhoun (Calhoun Makes his Offer)
Starts in the conversation of Get a Loan's step “Speak to Calhoun”: play that quest up to this step to get the offer. Based on the game data; not confirmed in play.
Start conditions (1)
Clues· money < 100
Dialogue12 decisions spoilers

Quest chain

BeforeGet a Loan
Walkthrough5 steps · 4 conversations spoilers
  1. Pay back Calhoun
    You have collected enough Lims to pay back Calhoun immediately. Will you?
    To complete· paid Calhoun back· debt ≤ 0
  2. Reduce your Debt to Calhoun
    Slowly reduce your debt to Calhoun by paying back a percentage of your earnings at the end of each day. You can choose 5%, 10% or 15% of your daily earnings.
    To complete· paid Calhoun back is off· debt ≤ 0
  3. Speak to Salt Pete
    Speak to Salt Pete about Calhoun's fishing membership.
    Talk to Salt Pete (Salt Pete Speaks)
    Dialogue5 decisions spoilers
  4. Tell Calhoun the Good News
    Tell Calhoun the debt is now cleared.
    Talk to Calhoun (We paid Calhoun back)
    Clues
    1 technical condition
    Story flags the game uses internally. Shown for reference; you can't check them in game.
    · Calhoun: debt reduced
    Dialogue1 decision spoilers
  5. Speak to Calhoun
    You might have found a way out of Calhoun's debt via the Carp Diem fishing club. Tell Calhoun your proposition.
    Talk to Calhoun (Calhoun's Deal)
    Dialogue3 decisions spoilers

Other conversations

Can finish the questAva · «Calhoun hits back at reviews» · 7 decisions spoilers
Rewards spoilers
Possible rewardsSalt Pete Friendship +1Calhoun Business +2Calhoun Friendship +1

Expand a section to see it. Key choices: clues come from dialogue branches and may not be exact.

Every conversation of this quest, line by line. The choices listed under each line are the game's own, taken from its dialogue files (game build 25680465) in the order those files list them. Outcomes listed for a choice come from the game's dialogue scripts. That each one applies when you pick it is our reading of the data, not confirmed in game. Conditions shown as “if you chose …” or “after …” come from where the game data sets that story flag; other events may change it too. A choice marked “ask once” records a story flag when you pick it, and its own condition needs that flag unset. A chip such as “Name +1” is a counter that, per the game data, only this conversation changes. Conditions on it are counted from earlier answers in this conversation; that is our reading of the data, and the counter's starting value is not confirmed.

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