Cool game, I enjoyed the concept and I can also see how this game fits the theme of consequences where you can choose to spend your money or get loans.
You could very well expand the game to allow players to make more choices other than loans, education, and work. Maybe you can have all the money in the world when you reach 100, but if the character ended up being unhappy from not pursuing other parts of life other than work, that could be a consequence. (But then the scope would be too high hahaha)
In any case, the game was interesting and had a nice take on the theme!