Adding to a Sims' student loan debt

"TwelfthDoctor1;c-17879040" wrote:

"kwanzaabot;d-989429" wrote:
I've created a mod that allows Sims to take out bank loans, but I'm lacking a way to make them pay them off.
So I thought I'd use Discover University's student loan system, since the mechanics for paying off the loan never actually call them *student* loans. It's always just "loans", as seen here:

https://ultimatesimsguides.com/wp-content/uploads/2019/11/The-Sims%E2%84%A2-4-2019-11-15-12_22_12-PM.png

I've tried various different loot actions to add to my Sims' debt, but it never seems to actually recognize it, and the option to pay off the debt at a mailbox never appears. I've poked around in the xml and I've found "loot_Statistic_Loans_Set10000," a debug loot action, which should be pretty straightforward, being a debug cheat, but it doesn't appear to do anything. Here's my version:

1100
223186

Object

I've set the debt statistic to the amount I want, so what do I need to do to get the game to acknowledge the debt?

There is a loans command that you could try but it will require the AllCheats mod to use it. Its sims.take_out_loan (Sim ID) (Loan Amount) (loan_type: use 1 or LoanType.UNIVERSITY).

Also check your interaction. Sometimes it can go wrong there.

Well, the interaction itself is based on the Parenthood volunteer interactions: the Sim goes off-lot, comes back with loot.
In Parenthood the loot is character values, in mine it's Simoleons and debt. The Simoleon gain works perfectly, so I'm quite confused that the debt doesn't tbh.

This is the mod in progress: https://chii.modthesims.info/getfile.php?file=2015059

I'd also prefer not to rely on other mods to make this work. Gaining debt is a Maxis-made mechanic, so there must be a way to call it, surely? Otherwise how does Discover University do it?