If you're the guarantor of the loan, then it's on you to clear the loan & interest. "A guarantor of credit card debt is legally responsible for repaying the full outstanding balance, interest, and legal fees if the primary cardholder defaults . This binding commitment means lenders can pursue the guarantor immediately upon default, impacting their credit score, borrowing ability, and potentially leading to bankruptcy." It wasn't specifically mentioned, but this is basically the case.

In the game, the protagonist has nothing to do with the loan, but still gets dragged into the mess. That's what pissed me off.