Yes - players can communicate via PM WHEN they are in the same LOCATION. Just don't ask me to arbitrate on any deals you may make.
Alternatively -
The Granica Trading Corporation Loans Officer is very understanding. "Can't quite pay back the full amount, eh? Well, then we can add you to our "Valued Customer's Particularly Helpful Additional Loan Scheme." Pay us immediately the principal of the loan (the amount you borrowed), and pay back the interest as you can. Every turn you don't pay, the interest will increase by 20%. So if you still owe us 200 credits this turn, next turn we'll ask you to pay 240. The turn after, 264. Eventually we will insist on payment in full."