If everything is at 100%, you talked with those five ladies and only achievement #16 is not done, you have hit the bug. For some reason the game is not recording correctly that you talked with those five ladies and did all there special questions. The solution is patching the .sav but that is kind of tricky. I posted a patch file some posts before which worked for me. But it seems that it doesn't for others. So your mileage may vary...
You can upload your .sav and I will try to patch it. But no promises
Or may be some other have a foolproof solution? If so, please share the exact procedure. I've run into problems when fixing it in a normal text editor like Gedit -- Notepad version in Linux -- or Atom.
Edit:
In Atom you can disable automatically adding an end of line character aat the last line. It looks that Notepad++ for Windows has something similar by default. Anyway go to Edit | Preferences and then Packages. Got to the Whitespace package Settings and deselect the Ensure Single Trailing Newline.
For Gedit there is a similar option, but that is
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Edit 2:
So the procedure for Patching in Atom -- or probably Notepad++ as well -- is first do the setting above. In Atom there shouldn't be a visible empty line after </PlayerData>. If there is one visible, saving will lead to a corrupt save and it will not be loaded. Also the continue button will probably have a lock. Remove the corrupted save and try again
Now search for ">Valerie" -- without the quotes -- and change a few lines further down the "<Visible>false</Visible>" to "<Visible>true</Visible>" -- again without quotes. Repeat for ">Kathy", ">Cassie", ">Linda" and ">Megan<". Save the file and load it in the game. Now go to your room and think about the future. It should show seven options and the sixth is the wanted final ending.
If not, you didn't talk with all the mentioned ladies. Visit them and do all there dialogue lines. One or more now will give a red cross in achievement #2 because of the bug. Open this new save again and repeat the procedure.