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College Tuition and Student Loans

by kestrellyn Posted 25th Jun 2018 at 12:48 AM - Updated 11th Dec 2021 at 2:09 AM by kestrellyn
157 Comments / replies (Who?) - 24 Feedback Posts, 1 Thanks Posts
  • 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
  • Added options for total education cost in multiples of 5000

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:


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.


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 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 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.


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.


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 | Compatible with Lazy Duchess University Exam Fail Chance

Size: 69.0 KB · Downloads: 217 · 11th Dec 2021
69.0 KB 217 11th Dec 2021 | Compatible with Cyjons Semester Changes

Size: 69.1 KB · Downloads: 966 · 11th Dec 2021
69.1 KB 966 11th Dec 2021 | Compatible with AncientHighways Term Paper Required

Size: 69.0 KB · Downloads: 506 · 11th Dec 2021
69.0 KB 506 11th Dec 2021

Size: 68.8 KB · Downloads: 1,540 · 11th Dec 2021
68.8 KB 1,540 11th Dec 2021 | Compatibility patch for use with InTeen

Size: 601 Bytes · Downloads: 287 · 4th Jan 2021
601 Bytes 287 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
Need more information?
157 Comments / Replies (Who?) - 133 Feedback Posts, 22 Thanks Posts
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Original Poster
#101 Old 20th Nov 2018 at 6:56 AM
Yeah, I could do that. Would you also want the ability to withdraw and forgive loans in hundreds, too?
Mad Poster
#102 Old 20th Nov 2018 at 9:02 AM
That would be good, thank you

I'm secretly a Bulbasaur. | Formerly known as ihatemandatoryregister

Usually hanging out in Sim Crafters these days. | Looking for SimWardrobe's mods? | Or Dizzy's? | Faiuwle/rufio's too! | smorbie1's Chris Hatch archives | Welcome to Oakbrook.
Original Poster
#103 Old 21st Nov 2018 at 5:17 AM
Alright, in the latest version you can use multiples of 100 for Add to college fund, Withdraw from college fund, Forgive loan, and Pay back loan.
Lab Assistant
#104 Old 12th Feb 2019 at 3:14 PM
Hello, firstly just wanted to say thank you so much for this mod, it's brilliant! Exactly what I was looking for and it saves a ton of time trying to remember how much sims need to pay for college.

Secondly, I was wondering would it be possible to change the total education cost? If you even point me towards the right place in SimPE I'd be more than happy to do it myself, as my sims have a lot of money and I'd like to increase the total tuition cost.
Original Poster
#105 Old 13th Feb 2019 at 1:12 AM
You mean change it to allow costs of more than $50,000? How much did you want it to cost? Unfortunately some things would have to be changed to allow tuitions of $80,000+.
Lab Assistant
#106 Old 14th Feb 2019 at 12:32 AM
Yes, I didn't have an exact figure in mind but up to 80k seems perfect. Would it be possible to change the values from 10-50k to 40-80k?
Original Poster
#107 Old 14th Feb 2019 at 2:48 AM
No, that's what I'm saying. I can add 60k and 70k, but it can't go up to 80k without reworking some other parts of the mod. There are a bunch of things that rely on semesterly tuition being less than 10k. Although, I could add an option for 80k that actually sets it to 79,992, if that would be alright.
Lab Assistant
#108 Old 14th Feb 2019 at 3:11 AM
Oh, I get you now, and that would be perfect, if you don't mind. Thank you so much!
Original Poster
#109 Old 15th Feb 2019 at 1:55 AM
Alright, in the latest version you can select 60k, 70k, or 80k (which translates to actually 9,999 a semester).
Lab Assistant
#110 Old 15th Feb 2019 at 12:18 PM
Thank you! 😁
Forum Resident
#111 Old 15th Jun 2019 at 3:43 AM Last edited by natboopsie : 16th Jun 2019 at 5:30 PM.
Hi, kestrellyn, and bless you for continuing to update this mod and always being so responsive to requests.

I also see that you've done a really nice job of revamping the description to explain all its intended functions. I just mentioned your object in the forums, in Look at This Awesome Thing I Found, so I wanted to come and say a bit more about how else I use it, besides just for college funds and student loans. Perhaps it will inspire even more people to use this excellent item!

Hope that helps someone! It really is a great and very reliable mod, so I can't recommend it, or kestrellyn and her willingness to support it, more highly.
Original Poster
#112 Old 15th Jun 2019 at 11:36 PM
Thanks for your post, natboopsie! I'm a little busy right now making a mod for another game, but I do eventually plan to return to the Sims and make my own version of Monique's child support mod that will hook into this one (so that child support can be deposited directly into a college fund).
Forum Resident
#113 Old 16th Jun 2019 at 5:32 PM
My pleasure, kestrellyn. You and your mods deserve the support. And I'm excited to hear that you might tackle child support next! Do take your time---I'm just happy to know you're still around and modding, whether for this game or another.

*Ongoing TS2 informational projects (come on by to contribute, get info, or spectate!): (1) the SimPE Preservation Project and (2) Conflict Tracking for the 3t2 Traits Project Mods
*Need a Pescado mod? Use his hack directory: in the first post, find the link for your latest EP, then go in hacks/
Lab Assistant
#114 Old 25th Oct 2019 at 5:50 PM
I love this mod so much. It's made the payment system in my game so much easier. The only issue I have is that the sims who I want to receive tuition payments are too new in my hood, and I don't know how long it will take for them to show up on the payee screen. How can I increase the number of sims who show up?
Original Poster
#115 Old 25th Oct 2019 at 8:17 PM
How many adult+ sims do you have? There's a hard-coded limit, based on the checkbook, but I don't actually know the game's limitations so I could probably increase it and see if it doesn't cause a crash or anything like that.
Lab Assistant
#116 Old 27th Oct 2019 at 2:38 PM
Originally Posted by kestrellyn
How many adult+ sims do you have? There's a hard-coded limit, based on the checkbook, but I don't actually know the game's limitations so I could probably increase it and see if it doesn't cause a crash or anything like that.

According to Sims Tracker I have 158 Adult & Elder sims. If it's hard coded then don't worry about it. I was poking around in SimPE and thought I'd found the line I might need to edit, but if it isn't that simple I'd rather not. I will patiently wait for more of my elders to die off. Thank you for the quick reply.
Original Poster
#117 Old 27th Oct 2019 at 11:08 PM
Oh, it's no problem. I've updates the files to raise the limit to 200 sims, let me know if that crashes or anything.
Lab Assistant
#118 Old 28th Oct 2019 at 2:59 PM
Originally Posted by kestrellyn
Oh, it's no problem. I've updates the files to raise the limit to 200 sims, let me know if that crashes or anything.

Ok thank you. I will test it out and let you know.
Lab Assistant
#119 Old 2nd Nov 2019 at 2:04 AM
Originally Posted by kestrellyn
Oh, it's no problem. I've updates the files to raise the limit to 200 sims, let me know if that crashes or anything.

Wanted you to know that I tried it and it did work, with no crashing. Thank you!
Test Subject
#120 Old 7th Dec 2019 at 12:58 PM
So cool you're still here, thank you for this great mod and updating it!

> The mod works fine for me in in vanilla flavor.

> I really want to use it with Cyjon's Semester Changes. I've downloaded the appropriate variant of this mod, and made sure it loads after Cyjon's. HCDU shows no relevant conflict other than those two.

I have all the EPs (+ ending with the Mansion pack). However, I only accumulate half of the debt I set. At the end of semester, I get a message (set for 30K loan): Hanna paid §0 in tuition for the year from their college fund, and accumulated the remaining §-6,250 in student loans. If a... // .. Total loans: §3,750.

(One if the amounts is negative, the other positive, if it matters at all) The sim who went through the whole college like that ended up with a 15K loan.

I have a couple of shoddy workarounds, but would be awesome if you'd ever took a look!
Original Poster
#121 Old 8th Dec 2019 at 2:24 AM
Sorry about that, and thanks for the heads up! It looks like the bill tuition funtion somehow got replaced with the regular bill tuition function from the other versions of the hack. Should be fixed now, if you redownload.
Test Subject
#122 Old 11th Dec 2019 at 3:43 AM
You're an angel, thank you so much!
Test Subject
#123 Old 26th Mar 2020 at 6:36 PM
Hi! This mod looks like such a great addition to the game! However, I am unable to get it to work. I am running the Sims 2 Super Collection on Mac, so I assume that is the problem. It will let me initiate, add to college fund, designate payee/sponsor, but will not charge tuition at the end of the semester. I tried removing everything from my downloads folder except your Semester Changes version and Semester Changes itself, but it still did not work. I'm just wondering if anyone else is having this problem?
Original Poster
#124 Old 27th Mar 2020 at 1:47 AM
Do you have the hacks in the right order? This hack must load after Semester Changes.
Test Subject
#125 Old 29th Mar 2020 at 4:04 AM
Originally Posted by kestrellyn
Do you have the hacks in the right order? This hack must load after Semester Changes.

Yes, I do.
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