I can't remember the exact page (220?) but in the GM chapter under the Morality section it mentions that lowering your Morality at the start gets you XP and/or credits. It even gives advice as to what you may have done to get them.
However, around page 34(?) is gives raising or lowering your Morality by 20 as one of four starting options (the others being extra XP, credits or both).
Thoughts?
Edited by Alderaan Crumbs