The Horrific debt challenge starts you with 100,000$ and 1,000,000$ in debt. Which normally isn’t “too bad” since that’s only ~3700$… with enhanced loans on the provided settings it’s just shy of 19,000$ a month. So you’ll be juggling spending money to be able to do contracts, but making sure to save enough to keep the bill collectors at bay. (with enhanced loans if you miss payments it gets really bad really fast)

Setup

• Install the “Enhanced Loans” mod
• Create a new save on any map with hard economy (money settings don’t matter)
• Save the game then close the save
• Goto C:\Users\UserName\Documents\My Games\FarmingSimulator2025\savegame# (where the number is which save slot number the save is in)
• Edit farms.xml and change loan to 0.000000 and money to 100000.000000
• Edit els_loans.xml and change amount to 1000000 , duration to 5

Rules

• You may not take leases
• You may not take additional loans
• Do not slow down time while doing contracts. (you may go at 5x or higher)

Win Conditions

• Debt is paid off in full
• You have a functional farm (you’re farming any arable crop)
• Have 1 million in the bank