3 Wealther per turn is currently backbreaking. We straight-up don't have that money, and we probably won't get it next turn either unless we very quickly marry someone a lot wealthier than we are (an unlikely prospect).
This new deal is anything but generous, but it avoids immediate bankruptcy. I'm not too sure what the consequences of that would be, but I presume they're bad.
Of course going bankrupt in 18 months will be terrible too (and our spouse certainly won't like it!) but hopefully we'll somehow figure out our way out of that issue. Maybe by taking longer-term loans from someone else?
My current hope is that we'll marry someone rich who wants to cash in on our good name (which we are currently tarnishing, and which will tarnish it further...) and this will allow us some immediate financial relief. This could be through a dowry if they work that way in this setting, and/or through slightly less predatory loans from our in-laws.
gimme a min to look some things up and I'll edit this comment with mi general idea but tl;dr:
marry someone from a decently wealthy family(not supper rich or even noble), negotiate for a loan with in-laws, sell thing we don't need, use all the money to get stable sources of income a la tenement, and attempt to match our minimum income to the interest we pay per turn.
Long version:
Priorities:
1- pay outstanding court fines.
2- pay interest.
3- acquire stable sources of income.
Expenditures p/turn:
- 4 wealth to pay interest.
- 4 wealth for property upkeep.
Analysis of situation:
we
CANNOT take the deal because we would need to gather 16 wealth in 3 turns and we are currently making an unknown amount of wealth per turn and losing 8(6 with the deal). For all we know, 4 wealth p/turn may be a lot for us, and we may get less. so paying that while not flat out impossible would be an unnecessary risk because we don't know the consequences of failing to do so. If we don't take the deal and let the debt grow a bit while we gather money to increase our income we can assure that we will
eventually pay it back, we don't need to give ourselves a time limit, we can take as long as we want.
Proposed solution:
@Azel how does dowry work in this setting? what can we expect?.
whether we get a dowry in wealth or not, we should negotiate with our inlaws to get a loan with interest no higher than 1 (preferably 0), take the Sell Possessions action (both to increase wealth and reduce upkeep if that's how it works), and try to take advantage of the opportunities we got from the Madrasa, invest that money on placing a business in the tenements, etc. All with the objective of increasing or minimum income and reducing our upkeep.
Extra:
we should also try to learn more about religion, given that divine magic users are a thing attempting to get help from a deity is not insane.