Since getting First Debt/ All Debts require a brand new save (basically deleting your town and starting from scratch) I was thinking maybe we could have a NG+ where you pay off your first/all debts with a second villager. You are still starting with a new character but in the same town. Some things are available to you earlier obviously which is why I call it NG+. Thoughts?

Yeah, I also think should be nice the posibility of a category of that with a second villager

Here is an example of the category I suggested: