Honestly such a gem of a game. Made it to day 36 so far with the wife and we're trying to figure out how to get past the squid. We might have an idea of what we have to do, just not how to do it yet, Pretty fun. W Devs.
You have to use the anchor to kill the squid, if you use the harpoon gun it’ll catch it and throw it back at you (not sure if it’s a guaranteed death I was low), as for alternatively paying back your debts I’m here looking through how to do that lol