Debtor ending

Debtor

Accept Kerman, decline to keep gathering after ≤2 majors. Lock pivots you onto a separate Lightkeeper questline (5 Topographic Survey items, ~6h flash-drive craft, 30 PMC kills on Woods, 100 PMC dogtags, Sacred Amulets from marked rooms placed on Lightkeeper Island).

How it ends

Lightkeeper drugs you on the escape boat. You wake on a sailboat watching Tarkov get nuked, with a letter ordering further Lightkeeper jobs. You owe him now.

Extract keycard

RFID keycard with unknown name

What you swipe at the Terminal extract intercom to actually trigger the ending.

Achievement

Wiki ↗

Debtor

“Escape from Tarkov without ever escaping from yourself.”