Karma Debts

Sometimes, players are in need of a sizeable chunk of Karma to get a specific benefit, and saving up can be such a pain, especially if story-wise it makes sense to achieve that. Money can be borrowed, but Karma is jsut what you got. While informal "Karma Debts" are mentioned here and there, no such rule exists in the official books. Karma Debts should not be used lightly, and it's entirely up to the GM on a case-by-case basis whether he accepts the player's proposal or not.

A Karma Debt is a commitment by the player for a specific, single Karma-gained advancement. That advancement can be anything available to the player (Attribute increase, Skill increase, Initiation, Ally Spirit, etc) as long as it's a single expenditure (one rank in a skill or attribute) that exceeds 20 Karma.

In a Karma Debt, the player expends all of his available Karma, and chooses one of the following options: From that point on, all earned Karma goes to pay off the debt. The player cannot store Karma or use it for another purpose until the debt is paid off.
 * Minor Debt: Must have at least Edge 2 and spend at least 75% Karma up front.
 * Moderate Debt: Must have at least Edge 3 and spend at least 50% Karma up front.
 * Major Debt: Must have at least Edge 4 and spend at least 25% Karma up front.

There's no interest in the debt, but there's a catch. The more Karma you owe, the less of your Edge is available. A Minor Debt binds up one point of your Karma, a Moderate Debt two points, and a Major Debt three points. Until the debt is paid off, your Edge is considered one, two, or three points respectively lower for all intents and purposes (E.g. a character with Edge 5 and a Moderate Debt counts as Edge 3). Obviously, you cannot take a debt that would lower your Edge below 1.

If you wish to get rid of this debt, you have the option of either losing all accumulated Karma, or burning one point of Edge, and you gain nothing other than being out of this debt and can continue normally. Nobody said borrowing from Fate was easy.