Debt Demons Module
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Debt Demons offer tempting loan pacts that can help in tough times, but every deal comes with a cost. Learn how to borrow carefully, repay wisely, and keep these tricky creatures under control.
Short-term Shade
"A demon with a pact that only last months, useful for steadying cash flow, but costly if allowed to linger."
Note: A short-term loan is designed to be fully repaid within 3 to 12 months. It provides temporary funds for needs, not emergency payday borrowing.
Merchant Demon
"A sly trader from the underworld’s markets, the Merchant Demon never dictates, it deals. The terms you name become the chains that bind you both."
Note: Businesses and private lenders can sometimes negotiate loan terms, such as interest rates, repayment schedules, or collateral.
Student Wraith
"A hunched spirit that drifts aimlessly, burdened by the cost of knowledge and repaying the weight of study."
Note: A student loan is borrowed money used for education, repaid with interest over time. Making consistent payments builds credit and prevents the debt from lingering long after learning is done.
Secured Pillow Kitten
"A gentle demon bound by a deposit. When treated with care, its corrupt matter fades."
Note: A secured credit card requires an upfront cash deposit, which acts as collateral and sets your credit limit. This is an effective tool for people with no/poor credit history to build/rebuild their credit.
Mortgage Titan
"A molten, armored demon that crawls on spined legs, fueled by decades of interest. Each payment chips away at its shell until its fire is finally extinguished."
Note: A mortgage is a long-term home loan, repaid over many years. Each payment reduces debt and builds ownership.
Unsecured Pillow Kitten
"A gentle demon begins in shadow because you haven’t yet proven yourself. Each payment brings it closer to the light."
Note: An unsecured credit card does not require a deposit; the lender grants trust based on credit history. Responsible use strengthens your credit over time.