I have a hard time liking some aspects of this game. Their choice of words for not only the MC, but also their whole situation could be made MUCH more palletable if they made it something that the player decided or that defaulted to something more generic. Such as Landlord, tenants, men and women and college! instead of... Orphanage Director, Orphans, boys and girls, and just school.
If you ignore that though, it's a fuckin' master class in game design for a sand-box lewd game I think. There's always something to do and while you can't exactly eliminate your debt (yet, maybe in the future?) there are many things to explore and it's always a very fun time when it comes to lurid descriptions of what's happening and how much control you have in those situations. You can honestly come out on top every time if you really want to, but why not raise your ass and let the bastards have their fun?
There are consequences for it and I don't think there's a 'BAD-END' scenario, just you spirialing over and over into the mad house or stuck in where-ever you are.
The toggles available to you for the more extreme content is appreciated and I am honestly eager to see what happens next.
Edit: For those who are having issues with the games combat increasing your physique will help you immensly. If you can't commit to grinding that stat, like I can't, a .SAVE editor (Online or or offline) can be used to modify values.
The Values you'll want to modify are physique as well as athletics. You can find them with a quick CTRL-F while in you save eidtor of choice. You can also search for swimmingskill to find a majority of your stats as well as the current transformations of your character at this time.
Edit 2: Make sure your saves are NOT compressed if you want a chance in hell to understand exactly what you're trying to edit.