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Debtor Ending
Start helping Kerman, then walk away owing Lightkeeper
The Debtor ending is the half-measures route. You accept Mr. Kerman's offer and agree to find dirt on TerraGroup, hand in exactly 2 major evidence items, and then refuse to continue when he asks for more (a point of no return that unlocks the U-Turn achievement). With Kerman's route closed, Lightkeeper becomes your way out, and his price is work, not money.
Requirements
- Accept Mr. Kerman's offer and agree to find dirt on TerraGroup
- Hand in exactly 2 major evidence items, then REFUSE to hand in more when asked (point of no return)
- Complete Lightkeeper's chain: ask every trader about a way out (Lightkeeper last), compile topographic intel from 5 maps onto a military flash drive, eliminate 30 PMCs on Woods, and hand over 100 PMC dogtags
- Stash 6 Sacred Amulets (from marked rooms on Customs, Streets x2, and Reserve x3) in the Lighthouse marked room
- Buy the RFID keycard from Lightkeeper for 1 TerraGroup Blue Folders material
How to Get the Debtor Ending
- 1Accept Kerman's offer in The Ticket and agree to find dirt, then hand in your first 2 major evidence items
- 2When Kerman asks you to continue, refuse. This locks the Debtor route
- 3Start banking PMC dogtags early: the 100-dogtag handover is the slowest part
- 4Work through the Lightkeeper chain, buy his RFID keycard with a Blue Folders material, and start the Terminal finale from the Shoreline intercom between 21:00 and 06:00
Consequences
- •You escape Tarkov owing Lightkeeper. The epilogue calls you a mercenary without honor, bound by a debt
- •Achievements: 'Debtor' and 'U-Turn'
- •Rewards include 120,000 euros, cases, and weapons, plus the usual ending cosmetics
Difficulty
The grind ending. 30 PMC kills on Woods and 100 PMC dogtags are serious PvP work, and the Sacred Amulet collection tours every marked room in the game. No rouble payment is required on this route.
Story chapter that decides this ending
The Ticket — Tarkov Walkthrough, Choices & All 4 Endings