Rspec doesn't check for attributes that are in other related models that the loaded one

I have a model name Loan. Each loan has JournalEntry and each JournalEntry has many JournalEntryLine. Also, each Loan has many Charge and each Charge has one JournalEntry with many JournalEntryLine. Same with Payment. So, for my app is necessary to check if the balance of each JournalEntryLine sums zero. So, Loan model has a method to print in the console each JournalEntryLine with their respective Account. And then sum them all and it should return zero. In Rails console, works perfectly. But in RSpec, doesn't. I'm guessing that RSpec lazy load the objects, so doesn't load them with the method. But, when I bring up the JournalEntryLine instances, are shown correctly. My problem is not what is shown in the RSpec console, but the summation always returns 0.00, so I can't test if the JournalEntryLines are generated correctly.

This is the test:

RSpec.describe 'Normal cancellation', type: :feature do
  before :each do
    prepare_db_for_loan
    prepare_loan_and_payments
    log_in
  end

  describe 'In a 12 months loan, with fortnight periodicity, in it last payment.' do
    it 'Should have a current balance equals to B/. 59.25' do
      expect(@loan.current_balance).to eq 59.25.to_d ## This method calls all charges and sum its balance value.
      expect(@loan.accounting_closing).to eq 0.00.to_d ## This is the method that sums JournalEntryLines.
      expect(@loan.status).to eq 'vigente'
    end
    it 'Should have a current balance equals to B/. 1.00 and be still "vigente"' do
      create_payment(@loan, '2021-01-15', (@loan.payment_amt - 1))
      expect(@loan.current_balance).to eq(1)
    end
    it 'Shuold have a current balance equals to B/. 0.00 and be cancelled' do
      create_payment(@loan, '2021-01-15', (@loan.payment_amt - 1))
      expect(@loan.current_balance).to eq(1)
    end
  end
end

This is Loan#accounting_closing

  def accounting_closing
    ## get accounts
    @accounts = Account.all.map do |account|
      {
        'number' => account.account_number,
        'name' => account.account_name,
        'debit' => 0,
        'credit' => 0
      }
    end

    ## get JournalEntryLines from loan.journal_entry
    @lines = journal_entry.lines.map { |line| line }

    ## get JournalEntryLines from loan.charges
    charges.where.not(charge_type: 'Annulled').each do |charge|
      @lines += charge.journal_entry.lines.map { |line| line }
    end

    ## get JournalEntryLines from loan.payments
    payments.each do |payment|
      @lines += payment.journal_entry.lines.map { |line| line }
    end

    ## make hashes
    @lines.each do |line|
      @accounts.each do |account|
        if account['number'] == line.account_number
          account['debit'] += line.debit
          account['credit'] += line.credit
        end
      end
    end

    @accounts = @accounts.reject do |account|
      account['debit'] == 0 && account['credit'] == 0
    end
    ## show @accounts hash
    @accounts.each do |account|
      account['debit'] = account['debit'].to_d.round 2
      account['credit'] = account['credit'].to_d.round 2
      account['balance'] = account['debit'].to_d.round(2) - account['credit'].to_d.round(2)
    end

    p '*-*-' * 20
    p '  #  | debit | credit | blanc | name'
    @accounts.each do |account|
      p "#{account['number']} | #{account['debit'].to_d.round 2} | #{account['credit'].to_d.round 2} | #{account['balance'].to_d.round 2} | #{account['name']}"
    end
    p ' === ' * 20
    @debit = @accounts.map { |account| account['debit'] }.sum.to_d.round 2
    @credit = @accounts.map { |account| account['credit'] }.sum.to_d.round 2
    @balance = @accounts.map { |account| account['balance'] }.sum.to_d.round 2

    p "Total: | #{@debit} | #{@credit} | #{@balance} "

    p '*-*-' * 20
    @balance
  end

And this is Loan#current_balance:

  def current_balance
    charges.where('balance <> 0').sum(:balance)
  end