Not even close. Make them start with 60k in debt, they need to pay 6k back every turn, and there is 5% interest on the debt. The debt is paid first and cannot be removed with bankruptcy Also, after 10 turns, if they own no properties, but have made the minimum payment each time, there is a 3% chance that the debt is forgiven. At the end of 20 turns, if they have made all the minimum payments, and they own no properties, flip 9 coins. If all of them are heads, then the debt is forgiven.