You'd think so but I still have the same 16.5 million debt in my third season at Gers...even with over 100 million in the bank...crazy times!! It should be paid off when there's enough cash, seeing as they don't mind paying out dividends to shareholders when you are flush lol
it does happen but long term thers not really any point, if they only have 2 pay a small amount each month long term it will benefit your transfer budget and any expansions you wish to make rather than drop your balance dramatically