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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?) - 20 Feedback Posts, 4 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: 218 · 11th Dec 2021
69.0 KB 218 11th Dec 2021 | Compatible with Cyjons Semester Changes

Size: 69.1 KB · Downloads: 970 · 11th Dec 2021
69.1 KB 970 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: 1,542 · 11th Dec 2021
68.8 KB 1,542 11th Dec 2021 | Compatibility patch for use with InTeen

Size: 601 Bytes · Downloads: 288 · 4th Jan 2021
601 Bytes 288 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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157 Comments / Replies (Who?) - 133 Feedback Posts, 22 Thanks Posts
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Original Poster
#126 Old 29th Mar 2020 at 6:27 AM
Which EPs does the Super Collection have? I seem to recall that some EPs were never ported to Mac. Also, are you getting errors/jumping/resetting, or does it just not work?
Lab Assistant
#127 Old 27th Apr 2020 at 5:30 PM
Honestly, what a great mod! I lowkey don't have a clue why isn't this a picked download yet.
Test Subject
22nd May 2020 at 7:52 PM
This message has been deleted by HugeLunatic. Reason: spam
Lab Assistant
#128 Old 29th Oct 2020 at 2:03 AM Last edited by TheDarkLady : 16th May 2021 at 2:24 AM.
Hi, I'm getting an error when using this mod, I think it might be some limit that the loan has hit. The loan value is currently $472058 and now every night when it is going to add the interest I get the attached error. Just wondering is this a hard coded error due to a number limit or can it be fixed? Or is there a way to even just make the error stop occurring (even if the loan can't be increased any more, just so I don't keep getting the pop up)? I wasn't sure if it's okay to click delete on it - would that affect the token/loan amount? - so I just press reset and usually after around 3 times it goes away until the next night. Also, I have the term required version (with the correct load order) in case that makes a difference. Thanks!

Edit: Just realised I can change the interest to 0% to stop the error from occurring, would still be good to know why it happens though!
Original Poster
#129 Old 29th Oct 2020 at 9:52 PM Last edited by kestrellyn : 30th Oct 2020 at 12:19 AM.
Technically the limit on the amount of the loan is over $300 million, at which point you would start seeing issues with displaying the loan correctly or paying it back. What you ran into is, the variable that stores the interest can only hold numbers up to 32,767 and your daily interest now exceeds $33,000. I've added a fix to the files that should cap interest at $32,000 a day, which should prevent the error (although the loan will stop increasing exponentially). At that rate, it will take over 10,000 sim days to overflow the loan, even for your huge loan, so I'm not too worried about that. If your loan gets big enough, you might actually start getting a smaller amount of interest than $32,000, there isn't really anything I can do about that, but it shouldn't cause errors. Let me know if the new files fix the problem.

If you click delete on one of these errors, by the way, you would just stop getting interest entirely on that lot. It might resume again if you save and exit and reload the lot, though.
Lab Assistant
#130 Old 30th Oct 2020 at 4:47 AM
Thank you so much, that has fixed the problem! The loan is at $590,000 and rising, doubt I'll hit the overflow though haha Good to know about choosing delete on the error as well, thanks again!
Field Researcher
#131 Old 17th Dec 2020 at 8:58 AM
This is a great mod and I like it very much, but I was wondering if you would be willing to make a patch to make it compatible with Lazy Duchess's chance of failing a uni exam mod? (
There is a conflict in Function - Next Semester.
Original Poster
#132 Old 18th Dec 2020 at 1:53 AM
Thanks for the heads up! I've uploaded a compatible version that should load after Lazy Duchess's mod.
Field Researcher
#133 Old 18th Dec 2020 at 3:30 AM
Wow thanks! Thats awesome!
Lab Assistant
#134 Old 3rd Jan 2021 at 11:01 PM
Hi again, I just discovered Midgethetree's version of the HCDU and when I ran it I found a STR# conflict between Inteen and college tuition. I know Inteen is a not so popular mod nowadays but I was wondering would you know how I could fix this myself? I have your mod loading after so I was thinking I could add the string from inteen (CT - InTeenimater - Is NID Old Enough?) to your mod but I'm not sure if I can just add it on because then it will be position 0x0001 in your mod's STR#, while it's 0x0000 in the inteen package, if that matters. Obviously, I've been using boths mods for a long while without noticing any issues so maybe it's not a problem at all but I figure that Inteen string must be, or should be, doing something!

Call Named Tree prim string set
File Type: STR#
Group ID: 0x7f3fdb15
Instance ID: 0x0000012f
Packages Using This Procedure:
Original Poster
#135 Old 3rd Jan 2021 at 11:14 PM
Nope, that issue can't be resolved. If you load InTeen last, things will break when a sim drops out of college, if you load college tuition last, something will probably break in InTeen, no idea what. It's probably ok to load InTeen last if you just never having any sims drop out of college though.

Edit: I realized, actually, if you load college tution last as you seem to be doing, you might actually wind up having sims pay tuition at some weird time, depending on what InTeen is doing.
Lab Assistant
#136 Old 3rd Jan 2021 at 11:31 PM
I've had no issues so far with college tuition loading last - it functions as expected and tuition is paid on time/added to the loan and I haven't noticed anything wrong with Inteen, though something is obviously being overwritten there. Maybe it might be better to swap the order as at least I know what happens with inteen loading last. On the other hand, if ain't broke, maybe I shouldn't fix it haha Thanks for checking that out!
Original Poster
#137 Old 3rd Jan 2021 at 11:35 PM
Yeah, it's hard to say what would happen with college tuition loading last without going through InTeen to see what's happening. If you want to be sure you don't forget about this issue and accidentally drop a sim out of college, you can open the college tuition package in SimPE and delete both that STR# resource and the College - Drop Out BHAV. Then you won't get the feature of paying tuition when sims drop out, but also nothing bad should happen if a sim does drop out. Load order won't matter if you do that.
Lab Assistant
#138 Old 4th Jan 2021 at 10:53 PM
I've removed those two things now, thanks , I don't need to worry about what inteen was doing now. With regards to not having the feature of paying tuition when a sim drops out, do you mean if they come back from a final exam or use the phone to drop out, they won't pay tuition/have tuition added to the token that semester before leaving? That's fine for me if so! At least they still have the rest of it to pay from the semesters they did do.
Original Poster
#139 Old 4th Jan 2021 at 11:44 PM
So I realized there's actually a simple way to make these compatible that doesn't require me to make a whole new set of versions of the hack. I posted a compatibility patch that should load after both hacks. You don't have to redownload the hack or replace those resources you deleted, unless you at some point decide to remove InTeen and the compatibility patch, although the compatibility patch itself will continue to work fine even if InTeen is removed.

To be clear, though, the conflict only involved voluntarily dropping out of college using the phone, in which case, yeah, tuition wouldn't have been deducted from the token. Failing due to bad grades would still result in getting charged.
Lab Assistant
#140 Old 5th Jan 2021 at 4:10 PM
Thank you very much, I really appreciate it
Test Subject
#141 Old 17th Jan 2021 at 4:33 PM
Thanks for making this mod kestrellyn! Quick question - I use both LD's university exam fail and Cyjon's semesterchanges - which version of your mod should I use?
Original Poster
#142 Old 17th Jan 2021 at 8:42 PM
Those mods are actually not compatible with each other, so you should only use one of them.
#143 Old 30th Jan 2021 at 3:24 AM
@kestrellyn, I have Ancient Highway's Term Paper Required and Inteen. I'd been using the Term Required version of this mod and loading it after Inteen and Term Paper Required. So, just to be clear, since I have Inteen, I would add the patch and have it load after everything? Is that right?

"May the sunlight find you, thy days be long, thy winters kind, thy roots be strong." -Grand Oak Tree, DAO

XPTL Mod Archive | Change a Mod's Mesh into a CC Object | Increasing the Game Difficulty | Editing ACR 4 Your Age Mod
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Original Poster
#144 Old 30th Jan 2021 at 3:29 AM
Right. This mod should load after term paper required, and the patch should load after both this mod and InTeen.
#145 Old 30th Jan 2021 at 3:32 AM
Okay, got it; thanks!
Test Subject
#146 Old 20th Apr 2021 at 4:15 AM
Great mod!!!!!!! I love it.
Lab Assistant
#147 Old 11th Aug 2021 at 10:22 PM Last edited by TheDarkLady : 11th Aug 2021 at 11:06 PM.
Hi, I'm experiencing an error with this mod in relation to the inherit loans function. I was testing out the inherit loans function in my test hood because I wanted to see how it worked - in particular, if a sim already had a student loan, what would happen. I got these errors if a sim tried to inherit a loan when they already had their own loan. If they didn't have a loan (whether they had a token for 0$ or not), it worked fine, so it seems like it related to having an oustanding balance - possibly an integer overflowing somewhere because the notifcation says the sim inherited -30,000 for example after the error happens. TIA for any help with this.

Edit: I realised that I added LD's uni exam fail chance a while back but didn't realise you had a specific version of college tuition for it. I've got that version now and LD's mod is loading first. The error still occurred after doing this though. I just want to make sure I have the right packages as well for the mods I have - I have Inteen, LD's uni exam fail and harder grades term required so I have collegetuition+ld_uniexam, collegetuition+termrequired and collegetuition+tinteen_compatibility, the latter 3 loading before the former and in the order listed. Is this correct?
Download - please read all instructions before downloading any files!
File Type: txt ObjectError_E001_t256347.txt (116.3 KB, 1 downloads)
File Type: txt ObjectError_E001_t256304.txt (116.3 KB, 1 downloads)
Original Poster
#148 Old 12th Aug 2021 at 1:03 AM
Thanks, I'll take a look.

As far as I know the uni exam fail chance mod is not compatible with the term paper required mod. You should only have one college tuition package, plus optionally the InTeen patch.
Lab Assistant
#149 Old 12th Aug 2021 at 1:12 AM
Thank you!

Oh, I didn't know that about LD's mod not being compatible - I must have forgotten to run HCDU after getting it because I didn't notice the conflict there (just saw it now) and it's not mentioned in the description. I've sent an ask to LD anyway to see if there's any way around it!
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