Yeah, there's nothing else after getting the last expansion-- from what I've read if you do pay off the last loan Nook will just tell you you can't expand anymore due to permit restrictions or something.

But anyways, you can work on achieving perfect status on your town, getting the other golden items, and there's always completing the catalog, the museum and what not. XD; hey look at me; been playing more than a year and I'm barely about to complete the dinosaur collection-- have a long ways to go with everything else. On a side note, the Arwing was on sale two days ago for me so I bought it XD

Good to hear you're doing better Shawnie <3