First off, I want to say, I really like the concept, and the story is entertaining.
I tried not to use the cheat at first, but it was pretty brutal, and I just found myself constantly save scumming since RNG hates me. lol (You need a 45 or less, that is almost a 1 in 2 chance, here, let me fail 45 times in a row!)
I am not opposed to some grind, but this was a bit much. Usually, all I do is cheat in some money, and do the rest the right way, but here, I kind of felt like I didn't have a choice. Even using the cheating, the worst offender would be the sisters in the lecture hall. The early ones were pretty low, with 2 per session, which was daunting, though it did pick up, so if you double the starting points, it should be a lot better.
Aside from the grind, I would suggest 2 things. The first, as you have mentioned, you need an editor, I wish I had time to volunteer right now, but I am working on too many games as it is (and my main one is in crunch time right now).
The other is the sex scenes, while the text helps a lot (well done there), the simplest of movement would be a huge boost, even if it is just two frames that you alternate between when they click between dialogues.
Over all, the money was not too bad, a bit tight at first, but that is how it should be (even if I am too lazy/busy to deal with it in most games). Once you get into the story, it comes in pretty nicely. I probably would have done better there, but I focused on the girls, and ignored the main story until that was mostly done, not really knowing how it would affect things.
Minor note, just a personal thing, if the girls are supposed to be turned on, I want to see their nipples hard and not flat.
All in all, it was an enjoyable experience, I look forward to more.
...Side note, trying to load a save from within the game tends to crash me now. It is fine if I go to the main menu first, but from in the game, it always crashes.