The way I imagine it working is that any money Harry might acquire is automatically spent on paying off his debt, but he doesn't get into trouble if this doesn't pay the debt until he turns 18. I don't think the situation where he makes plenty of money and does not pay off the loan will be allowed. So either Harry can not worry about the debt and pay it off eventually at the cost of not having any money til then, or pay it off sooner and then have free use of money.
I don't think we need to rely so much on your imagination.
"I think there's about forty thousand in my Gringotts vault," Harry said. It was strange how that was still causing more internal pain than the thought of taking an over-fifty-percent risk to his life to destroy Azkaban. "As for the other sixty thousand - what are the rules, exactly?"
"It comes due when you graduate Hogwarts," the old wizard said from high above. "But Lord Malfoy has certain rights over you before then, I fear."
If a debt isn't due, it need ...
This is a new thread to discuss Eliezer Yudkowsky’s Harry Potter and the Methods of Rationality and anything related to it. This thread is intended for discussing chapter 81, which should be published later today. The previous thread passed 400 comments as of the time of this writing, so it will pass 500 comments soon after the next chapter is posted, if not before. I suggest refraining from commenting here until chapter 81 is posted; comment in the 12th thread until you read chapter 81. After chapter 81 is posted, I suggest all discussion of previous guesses be kept here, with links to comments in the previous thread.
There is now a site dedicated to the story at hpmor.com, which is now the place to go to find the authors notes and all sorts of other goodies. AdeleneDawner has kept an archive of Author’s Notes. (This goes up to the notes for chapter 76, and is now not updating. The authors notes from chapter 77 onwards are on hpmor.com.) When posted, chapter 81 should appear here.
The first 5 discussion threads are on the main page under the harry_potter tag. Threads 6 and on (including this one) are in the discussion section using its separate tag system. Also: one, two, three, four, five, six, seven, eight,nine, ten, eleven, twelve.
As a reminder, it’s often useful to start your comment by indicating which chapter you are commenting on.
Spoiler Warning: this thread is full of spoilers. With few exceptions, spoilers for MOR and canon are fair game to post, without warning or rot13. More specifically: