Direct answer

Repay the starting loan in full to unlock Debt Free. The loan is part of the opening economy โ€” see the money page for loan mechanics.

The path

  1. Sell your first harvests and meals (direct sale or early orders).
  2. Prioritise repaying the loan over big room expansions.
  3. Track the remaining balance; the achievement triggers on full repayment.
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Evidence note

Trigger is verified in the current 1.0 build via loan repayment. If your trigger differs, report it โ€” conflicting evidence is preserved, not averaged.

OFFICIAL

Loan mechanics and achievement list are current-version official data.

Steam store
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Related achievements Unexpected Income and Secret Ingredient share the economy dataset.