This debt is also one of the main ways you can move the story forward as each chapter needs a loan payment to gain access to new areas of the map. (totallygn.com)
On top of that, you can also acquire abilities which ultimately gains you access to new areas. (jgghgames.com)
By getting to know the other characters better, not only will you get to see fun conversations between everyone but you'll also unlock some pretty handy character skills as well as gaining access to new areas and some really fun side quests. (thevitalounge.net)