Awesome, thank you for the feedback! What really makes me happy is that you really get what I was aiming for, whether or not I've succeeded at it, yet. You make a good point about the chance to get a mission. I'll give you the reason you might go for the captains, and it has to do with relationship levels and ranks.
So, the chance to raise relationship level is 100%, but your have to fill up the relationship points, which you do by doing missions. So, officer Bob starts at relationship level 0, with 0 relationship points. Because he's RL 0, it only takes 1 RPs to enable him to level up. So, after doing 1 mission for him, if you loop back to his station, you can ask him to level up the relationship, and he will (well, he might ask for a vow in return). To go from RL 1 to RL 2 with officer Bob, you need to do 2 missions for him.
Going back to the captains, you want to do missions for the other captains, because that's the only way to level them up. You want to level them up, because the other majors that they report to will not give you missions until 2 of these captains are also relationship level 2. So, lets say Major Alice will give you missions, and she's on the same station as Captain Bob. Captain Bob and Captain Charles report to Major Diana (C and D on other stations). Major Diana won't give you missions until Bob and Charles are relationship level 2, so you might still have to do missions for Bob, even though Alice is offering you more money right now.
But then, why level Bob above level 2, then? Good question. So you might be right about the keeping it below 100%. There is one more reason. Major Alice might pay you more, but she might send you to nowheres-ville station, and Bob might take you to a station with a better Major or a Colonel or to an Officer you are close to leveling up.
I'll think on it more. I might make it 100% next version, and if it's not fun in practice, I can put it back down to 60% or maybe somewhere in the middle.
On the other hand, if I could just signal to the player that, yes, sometimes you won't get a mission on the current station, but that's okay. It's not the end. Don't feel frustrated. Get some rest and recover morale. Or fly to a station where you can level up an officer or maybe get a high paying mission. If I can do that, then I'm happy to keep it at 60%. I would prefer that.
Ohh, could I ask you a question? You mentioned that indeed if you don't get a mission on that day, you can rest to recover morale. Did you know you can also fly to other stations (without doing a mission), as well? I'm not sure if I made that clear or not, it might not be.
I do have some more levers for managing the difficulty. I'm concerned about what you said, where weekly debt payment is just more than you can make in an ideal week. Others have said similar, as well. If the bonuses are not enough, then here are three things I can do. I can easily make the days between repayments longer. I can also easily make the missions pay more. Lastly, I can change the loan structure so that you pay for a longer period, but the increase between each week is smaller. I'm not sure if that will truly fix that problem, though. I think I'll have to trial and error a bit. But, player feedback definitely helps!
In regards to the officer ranks and distribution, sure I'm always happy for more feedback, thanks. :)