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College Tuition and Student Loans

by kestrellyn Posted 24th Jun 2018 at 11:48 PM - Updated 12th Feb 2022 at 11:27 PM by kestrellyn
163 Comments / replies (Who?) - 10 Feedback Posts, 4 Thanks Posts
  • New version that works with Cyjon's Semester Changes. See Hack Compatibility section for more details.
  • Interest no longer accumulates on community lots.
  • Expanded functionality after long discussion in thread
  • Added option to change tuition cost after token creation
  • Fixed a bug related to paying off student loans with grants when no payee or sponsor was selected
  • Interest should no longer accumulate in vacation hoods
  • Now possible to initialize token with 0 simoleons
  • Added option to move money around in multiples of 100
  • Added initialization options up to 80k (9,999 per semester)
  • Can now display up to 200 sims when selecting payee/sponsor or inheriting tokens
  • Fixed bug in most recent version of collegetuition+semesterchanges
  • Fixed integer overflow error that could cause an error when calculating interest for very large loans
  • Added new version compatible with Lazy Duchess's University Exam Fail Chance mod
  • Added compatibility patch for use with InTeen
  • Fixed bug with inheriting student loans when you also had student loans
  • Added options for total education cost in multiples of 5000
  • Fixed Change Total Education Cost showing up for elders in collegetuition+semesterchanges

Do your sims have too much money? Do you want to share the joys of student loans with them? Do you already charge them college tuition, but have to keep track of who has paid and who is in debt in a spreadsheet outside of the game? With this hack, the game will charge tuition and track loans for you.

The basic idea: each sim you wish to be responsible for paying tuition is given a token that tracks their college fund, their student loan debt, their tuition rate, and various other things. This is a token you manually assign to particular sims, it is not given out automatically at any point. Sims with a token will be automatically charged tuition at the end of every semester - if the sim has not saved enough money in their college fund to pay for the tuition, it will accumulate as student loan debt. If a sim voluntarily drops out, they will be charged tuition for the semester they didn't complete. Debt, college funds, and tuition bills are tied to particular sims rather than families, allowing your to better control who gets saddled with the debt.

To assign tokens and set up college funds, you need to buy the College Tuition Management Object, which looks like Professor Von Ball and is available from the buy catalog in Misc/Misc for 1 simoleon.

Professor Von Ball has the following interactions:


Available to any sim without a token. You will be able to choose a multiple of 10,000 simoleons from 10,000 to 80,000. For sims who are young adults or younger, this represents the total cost of an 8-semester college education (note that you can attend college for more or fewer than 8 semesters if you get on academic probation or drop out, and thus pay a different amount over all). (Note: if you initialize a young adult or younger with 80,000 simoleons, their semesterly tuition will be only 9,999 instead of 10,000. Adults and elders will accumulate the full 80k in debt.) It is possible to initialize the token with 0 simoleons; in that case, the sim will not pay tuition, and none of the functions to move money around in "semesters" of tuition will function unless the total cost of education is changed later on.

For adult and elder sims, this amount is initialized as that sim's student loan debt (and the presumed cost of that sim's former education). When initializing adult and elder sims, you may also choose initialize the loan as a regular loan from another sim. The money will be transferred from the loaning sim's family funds to the current sim's family funds and will be tracked on the token as a debt.

Tuition per semester

This is just a static disabled option visible for young adults and younger, which shows the currently selected sim's semesterly tuition.

Change total education cost

Young adults and younger can use this option to change their total (eight-semester) education cost without having to delete the token and reinitialize it.

Add to college fund

Allows young adults and younger to add money from family funds to a college fund for this particular sim, which is reserved for paying tuition in the future. The college fund can accrue interest if an interest rate greater than zero is set, so it is beneficial to start saving early! You can add money in hundreds from 100 to 900 simoleons at a time, in thousands from 1,000 to 10,000 simoleons at a time, or add money in "semesters" - so, if your semester tuition is 2,500, you can add 2,500, 5,000, 7,500, etc. at a time.

Withdraw from college fund

Anyone can at any time withdraw money from their college fund, if they still have any. You can withdraw in the same amounts as you can add it, or your can just withdraw it all.

Pay back loans

Anyone who has student loans can pay them back from family funds. You can pay them back in the same amounts as you can add to the college fund, or you can pay them all (if you can afford it). Student loans can accumulate interest, too.

Forgive loan

You can choose to forgive all or part of your sim's loan with this option.

Designate Payee

You can designate any living, playable, adult or elder in the neighborhood to be a particular sim's payee - meaning that they will be sent your sim's tuition money as it is paid. Unfortunately this money does not count towards total money earned/personal wealth, because apparently you can't add to that if the sim is not on the lot, for some reason. It's probably just as well, since it would make the "earn $100,000" LTW trivial. If you've set the payee to someone, you can clear the the payee by clicking the option again and then cancelling the dialog.

The payee is paid in the following contexts:
  • Tuition was successfully paid from the sim's college fund.
  • Student loans were paid back from family funds.
  • A semester grant was used to pay back student loans (more on this below).

Designate Sponsor

You can designate a sponsor (or clear the selection by cancelling the dialog) in the same way as the payee. The sponsor is a third party who is not affiliated with the university, and thus does not benefit directly from tuition payments, who will pay any tuition that your sim cannot afford, at the cost of your sim becoming indebted to them the same way they would have become indebted to the payee. This is useful if you want the payee to always be paid, even if the sim cannot afford it, or if you want a moneylender sim who earns interest on loans but does not receive tuition payments. If no sponsor is set, the payee is paid in the circumstances described in the payee section. If a sponsor is set, it works like this:

Whenever tuition is billed:
  • If the student can afford it, the money goes to the payee.
  • If the student can afford some of it, they pay what they can and the rest is paid by the sponsor directly to the payee. The student accumulates the rest as loans.
  • If the student can afford none of it, the sponsor pays the full tuition directly to the payee and the student accumulates the money as loans.

If there is no payee, the money they would get simply disappears.

When paying back loans, if the sim has a sponsor, the sponsor will receive the payment, otherwise it will go to the payee.

Borrow money

Sims who don't have a college fund can directly borrow (maybe additional) money from either their sponsor (if they have one) or their payee (if they have a payee but not a sponsor). The money is transferred directly to the sim's family funds from the sponsor/payee's family funds, and is accumulated as debt on their token.

Semester grants go to family funds/Semester grants go to college fund or student loans

This option will flip between the two possible strings when you click it. When it reads "Semester grants go to family funds", then the grants you get at the end of the semester for good grades will go to family funds as with the unmodified game - when it reads "Semester grants to go the college fund or student loans", those grants will instead go into your college fund (if you don't have student loans) or to pay student loans (if you do). The grant is processed before tuition is billed, so it can be used to pay for the same semester in which the sim earned it. Note that any student who gets straight As can pay for nearly 10,000 simoleons of tuition this way (at the expense of not having any spending money while at college). This setting shouldn't affect the semester grants' contribution to total earned money/personal wealth. They will be counted as earned either way.

Inherit student loans

If you have a sim who will die with unpaid student loans (or already has) you can have another sim inherit their loans, so that the account doesn't just disappear with the sim. You can choose any playable sim in the neighborhood, living or dead, to inherit loans from as long as they have outstanding loans. Another way you can use this is to allow a rich relative to pay off one of your sims' student loans.

If the inheriting sim does not have a token, they will be given a new one, using the same tuition rate, interest rate, and payee/sponsor as the other sim.

If the inheriting sim does already has a token: first, any college fund the inheriting sim has will be used to pay the other sim's student loan debt, payable to the other sim's payee. If that does not pay off all of the debt and the inheriting sim does not have a payee/sponsor set, they will also inherit the other sim's payee/sponsor. Otherwise they do not inherit any other part of the other sim's token.

After the inheritance, the token will be removed from the sim that was inherited from.

Note about payees and sponsors: the sim who is transferred will be the one to whom loan payments go (so, the sponsor if they exist, otherwise the payee). They will be transferred as the inheriting sim's sponsor only if the inheriting sim has neither payee nor sponsor and they inherit debt.

Set interest rate

You can set an interest rate that determines how quickly money in the college fund and student loan debt increase. This controls interest for both (since you can't have both at the same time). Interest is accumulated every night between 3 and 4 AM by everyone except young adults, who do not accumulate interest on either student loans or college funds. You can always set the interest rate to 0% (the default) if you don't want it.

Remove tokens

You can remove tokens from either the currently selected sim, all sims, or all dead sims using this option, which is always available.


Game Compatibility

This hack requires University, and also at least one expansion that is OFB or later.

Hack Compatibility

This hack is mostly made up of self-contained custom objects, but it does override a few resources: BHAV 0x200C in group 0x7F17E3A4 (which controls what happens at the end of a semester) and text list 0x12F in that group, and BHAV 0x1000 in group 0x7F3FDB15 (which controls what happens when a sim drops out), and a new text list 0x12F that I created for that group. Any hack that modifies these same resources will conflict.

One that conflicts is Ancient Highway's hack that makes term papers required in order to earn a grade better than a B+ - if you have that hack, use and make sure my hack loads after Ancient Highway's. Let me know if you discover other conflicts and I will try to accommodate them.

Another hack that conflicts is Cyjon's Semester Changes. If you use this hack, get and make sure my hack loads after Cyjon's. Semester Changes makes it so that instead of having semesters, your sims pass a whole year at once and only take finals/get grants/etc. at the end of every year. With my hack and Cyjon's together, you will be billed tuition for two semesters at a time at the end of each year. You will also be billed for a full year's tuition if you drop out.

This also conflicts with Lazy Duchess's University Exam Fail Chance. If you use that hack, get collegetuition+ld_uniexam and make sure the college tuition hack loads last.

There is a conflict with this hack and InTeen. To use this hack with InTeen, download the collegetuition_inteen_compatibility patch and make sure it loads after both this hack and the InTeenimator_B package.

Problems and bugs

If you experience a situation where a sim returning from a final exam does not advance the semester and they are still listed having to take the final exam, do the following:
  1. Check the status of the student's token using Professor Von Ball: note their semester tuition, their college fund or student loan debt, their payee and sponsor, and where their semester grants are going.
  2. Enter debug mode by typing ctrl+shift+c and then "boolprop testingcheatsenabled true".
  3. Send the student to their final exam once again. After they come back, you should get a popup about an error log. Note where the game says the error log is stored. Click "reset" to exit the popup.
  4. Exit the game, and find the error log. It should be in My Documents/EA Games/The Sims 2/Logs/. Post the stack trace from the error log (the first part, before where it says "global simulation variables") in the discussion thread, along with the information you got from Professor Von Ball about the token.


Special note about the custom objects

The fallback GUIDs of all of the custom objects have been set to 0x0, so there should be no problems with them turning into something unexpected when you remove the hack.


The code of the following hacks helped me and/or inspired me while I was making this:

Cyjon's Loan Jar
Paladin/SimWardrobe's Checkbook
Pescado's Autonomycontrol

      Object Mods: Object Interaction Mods (things that change how sims interact with objects or their environment, like "Multi-owner door" or "sunbathe anywhere")
      Global Mods: Mods that change the way the game works without requiring any user intervention.

You must have the expansion or stuff packs listed below installed to use this custom content. Please see the post text for any exceptions.

Key: - File was updated after upload was posted
Filename - Tip: You can click the magnifying glass to see the archive contents Size Downloads Date | Compatible with Cyjons Semester Changes

Size: 69.1 KB · Downloads: 1,324 · 12th Feb 2022
69.1 KB 1,324 12th Feb 2022 | Compatible with Lazy Duchess University Exam Fail Chance

Size: 69.0 KB · Downloads: 330 · 11th Dec 2021
69.0 KB 330 11th Dec 2021 | Compatible with AncientHighways Term Paper Required

Size: 69.0 KB · Downloads: 589 · 11th Dec 2021
69.0 KB 589 11th Dec 2021

Size: 68.8 KB · Downloads: 1,902 · 11th Dec 2021
68.8 KB 1,902 11th Dec 2021 | Compatibility patch for use with InTeen

Size: 601 Bytes · Downloads: 405 · 4th Jan 2021
601 Bytes 405 4th Jan 2021
Don't forget to Thank the creator after downloading! Use the Thanks button located above the screenshots above.
Basic Download and Install Instructions:

1. Download: Click the download link to save the .rar or .zip file(s) to your computer.

2. Extract the zip, rar, or 7z file.

3. Place in Downloads Folder: Cut and paste the .package file(s) into your Downloads folder:
  • Origin (Ultimate Collection): Users\(Current User Account)\Documents\EA Games\The Sims™ 2 Ultimate Collection\Downloads\
  • Non-Origin, Windows Vista/7/8/10: Users\(Current User Account)\Documents\EA Games\The Sims 2\Downloads\
  • Non-Origin, Windows XP: Documents and Settings\(Current User Account)\My Documents\EA Games\The Sims 2\Downloads\
  • Mac: Users\(Current User Account)\Documents\EA Games\The Sims 2\Downloads
  • Mac x64: /Library/Containers/com.aspyr.sims2.appstore/Data/Library/Application Support/Aspyr/The Sims 2/Downloads
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163 Comments / Replies (Who?) - 137 Feedback Posts, 24 Thanks Posts
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Original Poster
#151 Old 12th Aug 2021 at 1:03 AM
Ok, the bug should be fixed now. I just did things in the wrong order.
Lab Assistant
#152 Old 12th Aug 2021 at 12:58 PM
Thank you, just tried it and it seems to work perfectly now!
Field Researcher
#153 Old 9th Dec 2021 at 11:04 AM
I just started using this mod but I'm a bit lost. Does this mean there's no way to have a lower tuition cost than 10K? I use mods to both raise bills and lower wages, so 10k is really high, especially with Cyjon's shorter uni. Playing wants-based on top of that means few of my sims get high grants at the end of the semester. Is there any way to set it up for 5k?

~~like a dirty dog
Original Poster
#154 Old 9th Dec 2021 at 7:06 PM
Yes, 10k is the minimum, because 5k is really pretty nothing, it is the same amount regardless of whether or not you are using semester changes. This hack is meant to solve the problem of accumulating lots of money, it sounds like maybe you have already solved the problem in other ways, so if you want to incorporate this you may have to rebalance the way money accumulates in your game, just like you would have to rebalance if you added a new way to gain money. But I could look into setting it up have multiples of 5k also.
Field Researcher
#155 Old 9th Dec 2021 at 8:22 PM Last edited by delonariel : 9th Dec 2021 at 8:56 PM.
Originally Posted by kestrellyn
Yes, 10k is the minimum, because 5k is really pretty nothing, it is the same amount regardless of whether or not you are using semester changes. This hack is meant to solve the problem of accumulating lots of money, it sounds like maybe you have already solved the problem in other ways, so if you want to incorporate this you may have to rebalance the way money accumulates in your game, just like you would have to rebalance if you added a new way to gain money. But I could look into setting it up have multiples of 5k also.

I like to have my students partially contribute to their uni funds with random jobs like tutoring or busking, or Lamare's part-time jobs in uni, but with only four semesters with Cyjon's mod, and each only a couple of days long, it sets too high a bar for the students. There's no way for them to even make a dent in their debts by working through college. So while 5k is a pretty small sum, I think it's better balanced for Cyjon's faster uni and the money-making options available to students. If I was playing the original university length, 10k wouldn't be as much of an issue. I'm pretty mean to my sims already, but as it is the only kids wealthy enough to go to college in Pleasantview would be the Goths.

If it isn't too much trouble for you, I would massively appreciate a 5k option. It's a terrific mod and would make things much easier to keep track of, especially in hoods where there isn't any specific townie to send the money to. It's true that I've already re-balanced the economy in the game, but 5k tuition would really hit the sweet spot. I understand if it's too much trouble though

~~like a dirty dog
Original Poster
#156 Old 9th Dec 2021 at 9:09 PM
Yeah, that makes sense, it was mentioned earlier in the thread with regards to the grant payouts. It shouldn't be hard, I'll see if I can get it done this evening.
Field Researcher
#157 Old 10th Dec 2021 at 6:49 AM
That's so kind of you, thank you. I haven't been looking forward to playing uni this much since the EP was released
Original Poster
#158 Old 11th Dec 2021 at 2:11 AM
Ok, I've uploaded new versions of all packages.
Top Secret Researcher
#159 Old 6th Mar 2022 at 10:10 AM
This also conflicts with LazyDuchess' Story Progression mod even when you leave out the Uni module.

Where did your MTS uploads go?
Contact me here:
Overview all my creations: Download at once (SimFileShare)
Original Poster
#160 Old 6th Mar 2022 at 10:12 PM
It didn't have any conflicts with that the last time I checked, it just wouldn't work right for sims in other households. Can you post the HCDU report?
just a girl
#161 Old 3rd Aug 2022 at 10:57 PM
What do I do if I have both Term Paper Required and Semester Changes?

Also, thank you for this mod. I've been using collegetuition+termrequired and really enjoyed it. Recently I decided to toy with Semester Changes and haven't noticed any issues, but I figure I'd ask you.

I see that you've added 5k option, I wanted that, but then I kind of learned to live with 10k At first, 10k for everybody seemed pretty steep, so I decided whether sims should get free or pay education based on school grades. Some can't afford college and are not smart enough to get it for free, so be it. It worked well for the story and the whole balance of things.
Original Poster
#162 Old 4th Aug 2022 at 12:45 AM
Term paper required and semester changes are not compatible, so you shouldn't use them together. I guess if there is enough interest, I could make another version of this mod that makes them compatible, but that starts to open things up to a proliferation of different versions, since there is now Lazy Duchess's exam fail chance mod as well that also modifies the same BHAV.
just a girl
#163 Old 4th Aug 2022 at 3:07 PM
Oops) Thank you for the heads up. Now that I think about it, these two mods don't really go together. Shorter semesters and term paper requirement will probably make things too hard.
Original Poster
#164 Old 5th Aug 2022 at 1:46 AM
Well, I do have 48-hour semesters in my game and also use term paper required, it isn't that hard and most of my sims don't actually write term papers anyway, they just limp along with Bs and Cs because not everyone cares about getting an A. I have had a few times where a sim did want an A and had to gain several skill points as well as write the term paper and get the grade bar to max, and in that case it was a little tight. My playables usually show up to college with plenty of skills and don't have this problem, though.
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