This is my situation atm (i'm not using any cheat)
Still having problem with the negotiation (the only skill i don't have atm)
The destiny i chosen (still missing Nora because i need the update to complete both Adele+Nora and get my ass safe from another round in prison (and yes, i REALLY HATE ADELE)
hoping the next update will have some beats for Adele/Headmaster (and yes, in some games i take things at a very personal level), and in the meantime i'm using Headmaster safe as my personal daily founder (from 30 to 100 dollar each day, and yes, i don't fucking care if it's wrong: he's a bastard and for the sake of money i'm lowering at his level...but not too much)
And same for Makoto: i'll wait the introduction of the second route, for continue this quest.
A trick for the hospital: if you go to donate semen with the sperm meter almost over limit, you can get from 60 to 100 dollar each time. In the end you don't even need to use cheats: with a bit of patiente, you can get everything without almost any issues/troubles.