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College Tuition and Student Loans

by kestrellyn Posted 25th Jun 2018 at 12:48 AM - Updated 12th Aug 2021 at 2:03 AM by kestrellyn
151 Comments / replies (Who?) - 13 Feedback Posts, 12 Thanks Posts
Updates:
  • New version that works with Cyjon's Semester Changes. See Hack Compatibility section for more details.
  • Interest no longer accumulates on community lots.
  • Expanded functionality after long discussion in thread
  • Added option to change tuition cost after token creation
  • Fixed a bug related to paying off student loans with grants when no payee or sponsor was selected
  • Interest should no longer accumulate in vacation hoods
  • Now possible to initialize token with 0 simoleons
  • Added option to move money around in multiples of 100
  • Added initialization options up to 80k (9,999 per semester)
  • Can now display up to 200 sims when selecting payee/sponsor or inheriting tokens
  • Fixed bug in most recent version of collegetuition+semesterchanges
  • Fixed integer overflow error that could cause an error when calculating interest for very large loans
  • Added new version compatible with Lazy Duchess's University Exam Fail Chance mod
  • Added compatibility patch for use with InTeen
  • Fixed bug with inheriting student loans when you also had student loans

Do your sims have too much money? Do you want to share the joys of student loans with them? Do you already charge them college tuition, but have to keep track of who has paid and who is in debt in a spreadsheet outside of the game? With this hack, the game will charge tuition and track loans for you.

The basic idea: each sim you wish to be responsible for paying tuition is given a token that tracks their college fund, their student loan debt, their tuition rate, and various other things. This is a token you manually assign to particular sims, it is not given out automatically at any point. Sims with a token will be automatically charged tuition at the end of every semester - if the sim has not saved enough money in their college fund to pay for the tuition, it will accumulate as student loan debt. If a sim voluntarily drops out, they will be charged tuition for the semester they didn't complete. Debt, college funds, and tuition bills are tied to particular sims rather than families, allowing your to better control who gets saddled with the debt.

To assign tokens and set up college funds, you need to buy the College Tuition Management Object, which looks like Professor Von Ball and is available from the buy catalog in Misc/Misc for 1 simoleon.



Professor Von Ball has the following interactions:





Initialize

Available to any sim without a token. You will be able to choose a multiple of 10,000 simoleons from 10,000 to 80,000. For sims who are young adults or younger, this represents the total cost of an 8-semester college education (note that you can attend college for more or fewer than 8 semesters if you get on academic probation or drop out, and thus pay a different amount over all). (Note: if you initialize a young adult or younger with 80,000 simoleons, their semesterly tuition will be only 9,999 instead of 10,000. Adults and elders will accumulate the full 80k in debt.) It is possible to initialize the token with 0 simoleons; in that case, the sim will not pay tuition, and none of the functions to move money around in "semesters" of tuition will function unless the total cost of education is changed later on.

For adult and elder sims, this amount is initialized as that sim's student loan debt (and the presumed cost of that sim's former education). When initializing adult and elder sims, you may also choose initialize the loan as a regular loan from another sim. The money will be transferred from the loaning sim's family funds to the current sim's family funds and will be tracked on the token as a debt.

Tuition per semester

This is just a static disabled option visible for young adults and younger, which shows the currently selected sim's semesterly tuition.

Change total education cost

Young adults and younger can use this option to change their total (eight-semester) education cost without having to delete the token and reinitialize it.

Add to college fund

Allows young adults and younger to add money from family funds to a college fund for this particular sim, which is reserved for paying tuition in the future. The college fund can accrue interest if an interest rate greater than zero is set, so it is beneficial to start saving early! You can add money in hundreds from 100 to 900 simoleons at a time, in thousands from 1,000 to 10,000 simoleons at a time, or add money in "semesters" - so, if your semester tuition is 2,500, you can add 2,500, 5,000, 7,500, etc. at a time.

Withdraw from college fund

Anyone can at any time withdraw money from their college fund, if they still have any. You can withdraw in the same amounts as you can add it, or your can just withdraw it all.

Pay back loans

Anyone who has student loans can pay them back from family funds. You can pay them back in the same amounts as you can add to the college fund, or you can pay them all (if you can afford it). Student loans can accumulate interest, too.

Forgive loan

You can choose to forgive all or part of your sim's loan with this option.

Designate Payee

You can designate any living, playable, adult or elder in the neighborhood to be a particular sim's payee - meaning that they will be sent your sim's tuition money as it is paid. Unfortunately this money does not count towards total money earned/personal wealth, because apparently you can't add to that if the sim is not on the lot, for some reason. It's probably just as well, since it would make the "earn $100,000" LTW trivial. If you've set the payee to someone, you can clear the the payee by clicking the option again and then cancelling the dialog.

The payee is paid in the following contexts:
  • Tuition was successfully paid from the sim's college fund.
  • Student loans were paid back from family funds.
  • A semester grant was used to pay back student loans (more on this below).

Designate Sponsor

You can designate a sponsor (or clear the selection by cancelling the dialog) in the same way as the payee. The sponsor is a third party who is not affiliated with the university, and thus does not benefit directly from tuition payments, who will pay any tuition that your sim cannot afford, at the cost of your sim becoming indebted to them the same way they would have become indebted to the payee. This is useful if you want the payee to always be paid, even if the sim cannot afford it, or if you want a moneylender sim who earns interest on loans but does not receive tuition payments. If no sponsor is set, the payee is paid in the circumstances described in the payee section. If a sponsor is set, it works like this:

Whenever tuition is billed:
  • If the student can afford it, the money goes to the payee.
  • If the student can afford some of it, they pay what they can and the rest is paid by the sponsor directly to the payee. The student accumulates the rest as loans.
  • If the student can afford none of it, the sponsor pays the full tuition directly to the payee and the student accumulates the money as loans.

If there is no payee, the money they would get simply disappears.

When paying back loans, if the sim has a sponsor, the sponsor will receive the payment, otherwise it will go to the payee.

Borrow money

Sims who don't have a college fund can directly borrow (maybe additional) money from either their sponsor (if they have one) or their payee (if they have a payee but not a sponsor). The money is transferred directly to the sim's family funds from the sponsor/payee's family funds, and is accumulated as debt on their token.

Semester grants go to family funds/Semester grants go to college fund or student loans

This option will flip between the two possible strings when you click it. When it reads "Semester grants go to family funds", then the grants you get at the end of the semester for good grades will go to family funds as with the unmodified game - when it reads "Semester grants to go the college fund or student loans", those grants will instead go into your college fund (if you don't have student loans) or to pay student loans (if you do). The grant is processed before tuition is billed, so it can be used to pay for the same semester in which the sim earned it. Note that any student who gets straight As can pay for nearly 10,000 simoleons of tuition this way (at the expense of not having any spending money while at college). This setting shouldn't affect the semester grants' contribution to total earned money/personal wealth. They will be counted as earned either way.

Inherit student loans

If you have a sim who will die with unpaid student loans (or already has) you can have another sim inherit their loans, so that the account doesn't just disappear with the sim. You can choose any playable sim in the neighborhood, living or dead, to inherit loans from as long as they have outstanding loans. Another way you can use this is to allow a rich relative to pay off one of your sims' student loans.

If the inheriting sim does not have a token, they will be given a new one, using the same tuition rate, interest rate, and payee/sponsor as the other sim.

If the inheriting sim does already has a token: first, any college fund the inheriting sim has will be used to pay the other sim's student loan debt, payable to the other sim's payee. If that does not pay off all of the debt and the inheriting sim does not have a payee/sponsor set, they will also inherit the other sim's payee/sponsor. Otherwise they do not inherit any other part of the other sim's token.

After the inheritance, the token will be removed from the sim that was inherited from.

Note about payees and sponsors: the sim who is transferred will be the one to whom loan payments go (so, the sponsor if they exist, otherwise the payee). They will be transferred as the inheriting sim's sponsor only if the inheriting sim has neither payee nor sponsor and they inherit debt.

Set interest rate

You can set an interest rate that determines how quickly money in the college fund and student loan debt increase. This controls interest for both (since you can't have both at the same time). Interest is accumulated every night between 3 and 4 AM by everyone except young adults, who do not accumulate interest on either student loans or college funds. You can always set the interest rate to 0% (the default) if you don't want it.

Remove tokens

You can remove tokens from either the currently selected sim, all sims, or all dead sims using this option, which is always available.

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Game Compatibility

This hack requires University, and also at least one expansion that is OFB or later.

Hack Compatibility

This hack is mostly made up of self-contained custom objects, but it does override a few resources: BHAV 0x200C in group 0x7F17E3A4 (which controls what happens at the end of a semester) and text list 0x12F in that group, and BHAV 0x1000 in group 0x7F3FDB15 (which controls what happens when a sim drops out), and a new text list 0x12F that I created for that group. Any hack that modifies these same resources will conflict.

One that conflicts is Ancient Highway's hack that makes term papers required in order to earn a grade better than a B+ - if you have that hack, use collegetuition+termrequired.zip and make sure my hack loads after Ancient Highway's. Let me know if you discover other conflicts and I will try to accommodate them.

Another hack that conflicts is Cyjon's Semester Changes. If you use this hack, get collegetuition+semesterchanges.zip and make sure my hack loads after Cyjon's. Semester Changes makes it so that instead of having semesters, your sims pass a whole year at once and only take finals/get grants/etc. at the end of every year. With my hack and Cyjon's together, you will be billed tuition for two semesters at a time at the end of each year. You will also be billed for a full year's tuition if you drop out.

This also conflicts with Lazy Duchess's University Exam Fail Chance. If you use that hack, get collegetuition+ld_uniexam and make sure the college tuition hack loads last.

There is a conflict with this hack and InTeen. To use this hack with InTeen, download the collegetuition_inteen_compatibility patch and make sure it loads after both this hack and the InTeenimator_B package.

Problems and bugs

If you experience a situation where a sim returning from a final exam does not advance the semester and they are still listed having to take the final exam, do the following:
  1. Check the status of the student's token using Professor Von Ball: note their semester tuition, their college fund or student loan debt, their payee and sponsor, and where their semester grants are going.
  2. Enter debug mode by typing ctrl+shift+c and then "boolprop testingcheatsenabled true".
  3. Send the student to their final exam once again. After they come back, you should get a popup about an error log. Note where the game says the error log is stored. Click "reset" to exit the popup.
  4. Exit the game, and find the error log. It should be in My Documents/EA Games/The Sims 2/Logs/. Post the stack trace from the error log (the first part, before where it says "global simulation variables") in the discussion thread, along with the information you got from Professor Von Ball about the token.

Thanks!

Special note about the custom objects

The fallback GUIDs of all of the custom objects have been set to 0x0, so there should be no problems with them turning into something unexpected when you remove the hack.

Acknowledgements

The code of the following hacks helped me and/or inspired me while I was making this:

Cyjon's Loan Jar
Paladin/SimWardrobe's Checkbook
Pescado's Autonomycontrol

You must have the expansion or stuff packs listed below installed to use this custom content. Please see the post text for any exceptions.

Sims 2 University
Key: - File was updated after upload was posted
Filename - Tip: You can click the magnifying glass to see the archive contents Size Downloads Date
collegetuition+ld_uniexam.zip | Compatible with Lazy Duchess University Exam Fail Chance

Size: 68.9 KB · Downloads: 181 · 12th Aug 2021
68.9 KB 181 12th Aug 2021
collegetuition+semesterchanges.zip | Compatible with Cyjons Semester Changes

Size: 69.0 KB · Downloads: 902 · 12th Aug 2021
69.0 KB 902 12th Aug 2021
collegetuition+termrequired.zip | Compatible with AncientHighways Term Paper Required

Size: 68.9 KB · Downloads: 477 · 12th Aug 2021
68.9 KB 477 12th Aug 2021
collegetuition.zip

Size: 68.7 KB · Downloads: 1,450 · 12th Aug 2021
68.7 KB 1,450 12th Aug 2021
collegetuition_inteen_compatibility.zip | Compatibility patch for use with InTeen

Size: 601 Bytes · Downloads: 250 · 4th Jan 2021
601 Bytes 250 4th Jan 2021
Don't forget to Thank the creator after downloading! Use the Thanks button located above the screenshots above.
Basic Download and Install Instructions:

1. Download: Click the download link to save the .rar or .zip file(s) to your computer.

2. Extract the zip, rar, or 7z file.

3. Place in Downloads Folder: Cut and paste the .package file(s) into your Downloads folder:
  • Origin (Ultimate Collection): Users\(Current User Account)\Documents\EA Games\The Sims™ 2 Ultimate Collection\Downloads\
  • Non-Origin, Windows Vista/7/8/10: Users\(Current User Account)\Documents\EA Games\The Sims 2\Downloads\
  • Non-Origin, Windows XP: Documents and Settings\(Current User Account)\My Documents\EA Games\The Sims 2\Downloads\
  • Mac: Users\(Current User Account)\Documents\EA Games\The Sims 2\Downloads
  • Mac x64: /Library/Containers/com.aspyr.sims2.appstore/Data/Library/Application Support/Aspyr/The Sims 2/Downloads
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151 Comments / Replies (Who?) - 128 Feedback Posts, 21 Thanks Posts
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Mad Poster
THANKS POST
#2 Old 25th Jun 2018 at 2:02 AM
I like this! It's going to be quite the thing for my uni students-making them actually pay for that degree, instead of having their parents pay for it. Thank you!
Meet Me In My Next Life
THANKS POST
#3 Old 25th Jun 2018 at 2:12 AM
Well here I go again adding another download, in all the years I been playing the Sims 2 since ( 2006 ) I have "never' play UNI maybe because I hated school lol.
But with this mod I think I will jump in and go back to school, well that is my Sims, This sound GREAT, this will be a brand new adventure for me that I have long avoided.
Thanks for sharing.
Lab Assistant
#4 Old 25th Jun 2018 at 4:47 AM
Does this play well with Squinge's Mega College Pack? I know he and Ancient Highway collaborated so that it supported Ancient Highway's College Mods, including the College Isn't Free series, so theoretically (maybe? I hope?) it will! I really love the sound of your mod, but I currently have three YAs using Squinge's, and I don't want to mess anything up.
Theorist
Original Poster
#5 Old 25th Jun 2018 at 5:37 AM
None of those packages override the same resources as this mod, so it should work just fine. I tried to make this as unintrusive as possible.
Undead Molten Llama
THANKS POST
#6 Old 25th Jun 2018 at 12:37 PM
This is great! I've been doing something pretty similar semi-manually using Monique's computer's banking functions, but I love how flexible this is. I don't impose tuitions/loans on all my neighborhoods, but for the ones where I do, I'll be switching out methods for new pixels heading off to uni. Thank you!
Field Researcher
THANKS POST
#7 Old 25th Jun 2018 at 2:46 PM
I personally don't play with tuitions and student loans as I believe in free education, but if I ever feel the need to have a private university for the rich, this will be handy. Either way, great work!
Mad Poster
THANKS POST
#8 Old 25th Jun 2018 at 7:45 PM
Where have you been all my life?? I've been wanting this for years!!!!
Field Researcher
THANKS POST
#9 Old 25th Jun 2018 at 9:51 PM
very cool
Lab Assistant
THANKS POST
#10 Old 25th Jun 2018 at 10:34 PM
What a great idea!
Instructor
THANKS POST
#11 Old 25th Jun 2018 at 11:25 PM
Thank you!!
Instructor
THANKS POST
#12 Old 26th Jun 2018 at 4:04 AM
This is awesome! I currently won't be using it in my zombie apocalypse hood, but I just wanted to thank you because the idea of college students graduating with piles of cash, is just wrong. Everyone that graduates is flat broke, unless they are trust fund babies.
Meet Me In My Next Life
THANKS POST
#13 Old 26th Jun 2018 at 4:56 AM
@kestrellyn Question please how do this work with a teen student that have earn a "Scholarship" because of good grades?
Theorist
Original Poster
#14 Old 26th Jun 2018 at 5:28 AM
The scholarships work the same way as in the unmodded game - they appear in the student's family funds when you send them to university. You can add them to the college fund manually if you would like, or you can use them for other purposes. YAs can continue adding money to their college fund until they age up into adults.
Meet Me In My Next Life
THANKS POST
#15 Old 27th Jun 2018 at 4:24 AM
Quote:
Originally Posted by kestrellyn
The scholarships work the same way as in the unmodded game - they appear in the student's family funds when you send them to university. You can add them to the college fund manually if you would like, or you can use them for other purposes. YAs can continue adding money to their college fund until they age up into adults.


Thank you for your reply I really love the whole idea of this mod, thanks again for your time spend and work.
Inventor
THANKS POST
#16 Old 29th Jun 2018 at 5:52 AM
I'm eager to try this out! Thank you for making this :D
Criminal Mastermind
retired moderator
#17 Old 2nd Jul 2018 at 6:35 AM
How does this mod works with Cyjon's Semester Changes mod? I'm using that mod to shorten the semesters for my college students. I also have Cyjon's Bigger Bills mod to make the bills reasonably expensive as much as possible.
Lab Assistant
#18 Old 2nd Jul 2018 at 9:37 AM
Really looking forward to trying this. My current sub-folder looks like this:

ah_HarderGrades_TermRequired
MTS_kestrellyn_collegetuition+termrequired

That ̶w̶i̶l̶l̶ should work, shouldn't it?
Field Researcher
#19 Old 2nd Jul 2018 at 4:33 PM
Quote:
Originally Posted by Chaavik
How does this mod works with Cyjon's Semester Changes mod? I'm using that mod to shorten the semesters for my college students. I also have Cyjon's Bigger Bills mod to make the bills reasonably expensive as much as possible.


I have this too and I don’t think they are compatible. My Sim ended college owing $2,000. Something is not right. I initialized the loan as $20,000. What am I doing wrong?
Theorist
Original Poster
#20 Old 3rd Jul 2018 at 1:32 AM
Quote:
Originally Posted by Chaavik
How does this mod works with Cyjon's Semester Changes mod? I'm using that mod to shorten the semesters for my college students. I also have Cyjon's Bigger Bills mod to make the bills reasonably expensive as much as possible.


Bigger bills should be fine (although you will get the bigger bills in addition to the debt given by my mod). Semester Changes does conflict. How does it work in-game - do you only get the final + grant + end of semester notification once per year, rather than once per semester? I could make a version of this mod that is compatible with it, but it is not compatible with AncientHighway's mod anyway, so I don't think I will try to accommodate both of them.
Theorist
Original Poster
#21 Old 3rd Jul 2018 at 1:33 AM
Quote:
Originally Posted by croiduire
Really looking forward to trying this. My current sub-folder looks like this:

ah_HarderGrades_TermRequired
MTS_kestrellyn_collegetuition+termrequired

That ̶w̶i̶l̶l̶ should work, shouldn't it?


As long as they are in the same subfolder together, yes.
Criminal Mastermind
retired moderator
#22 Old 3rd Jul 2018 at 1:41 AM
I haven't played yet to give an answer how it works with both mods installed. When I do, I will get back to you and let you know.
Theorist
Original Poster
#23 Old 3rd Jul 2018 at 1:49 AM
Depending on load order, it may not work at all with my mod installed, I mainly want to know how Semester Changes works without my mod. I guess I'll do some experiments on my end.
Theorist
Original Poster
#24 Old 3rd Jul 2018 at 4:07 AM
@Chaavik, @koololdster, I have made a version that works with Semester Changes. Make sure it loads last. It will bill for two semesters of tuition at the end of every year (or if you drop out).
Criminal Mastermind
retired moderator
#25 Old 4th Jul 2018 at 12:02 PM
Ok, I downloaded the latest version to work with Semester Changes and checked the load order for your mod to load after Cyjon's. I fired up my game to play my college Sims. I noticed that the Professor Von volleyball was missing from the mantel where I put it during my renovation of one dorm. I looked in Misc/Misc for the object. It did not show up anywhere in Buy Mode. The object itself is missing.

Thank you in advance for making a version to work with Cyjon's Semester Changes mod.
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