Other ways the players could start with (or acquire) a ship "free" and "clear" -
Inheriting it
▮
Party member inadvertently (or in backstory) saves a patron’s life and it's gifted
Deed found in an auctioned storage container
A returned favor, life debt with origins in the character’s backstory
Trade for some rare artifact the party (or party member) has, that they thought was just junk
Rigged auction
Vengeful spouse of owner gives it away
Gambling - “won it in a sabacc game”
Blackmailed for it
A bribe to look the other way
WitSec arrangement
Deranged gift - a la Howard Hughes
Restitution for heinous act in character's family's past
Paperwork error - can't prove who owns the mortgage, please claim “your” ship
Acquiring bit by bit - student, eccentric aunt
An orphaned asset - Biz out of biz, owner destroyed, govt dissolved, Left in a written-off place ( plague, detonation ), Left at a destroyed facility, procuring entity no longer exists, asset from dissolved organization or govt, escaped in a
It's an artifact found in the aftermath of a disaster - presumed destroyed
extreme surplus - not worth retrieving▮
Drift salvage - out of misjump, deep space, crashed
Hidden and found - getaway vehicle from a past crime no one is still looking to solve
Prototype at abandoned facility
Reassigned from long-term storage, by hacking
...and of course all of these can come with complications or backstory, as the Referee/players like.
Detached Duty: We're out of Type S Scout/Couriers, here's a Type A2 Far Trader instead. It has issues.
Navy version: Here's an old auxiliary tender, send us your ship's logs and reports via this encrypted dropbox. We'll let you know if we need it back. Good luck.
IISS or Navy Intel or who knows? On paper, it's yours. We don't know you, you don't know us. (You might not actually even know who we are). You'll be getting occasional mandatory taskings.
Yep. If you're willing to look beyond mustering out benefits there's a lot of room for creative set-ups where the characters have a debtless ship. Traveller is a wide-open RPG, and the Third Imperium is a big place, with lots of room for lots of different kinds of adventures.