Regarding all of the loan stuff, I never really let it bother me. Perhaps because I don't often follow the M&J route, but I just view it as a silly part of the game that I don't think about that much. When I think of the writing in game I focus on the interpersonal relationships and the conversations between the characters. That, to me, is where this game really shines. Unlike most F95 games where conversations are:
LL - "Oops my robe slipped and my big titty fell out!"
TN - "Whoa, landlady, my PP getting so much hard."
LL - "Really tenant? I will now commence handjob because both of your arms are broken for some odd reason and you'll die in 24 hours if you don't cum...because...Science! Hopefully your roommate won't come home early from her barista job at coffee shop. So I must wank fast.
My issues are only when DPC gets distracted from his university character relations and we are snatched away from B&R for superfluous actions like Zoey's san Diego adventures, D&G, or Lynette boring story time.