You don't need a save editor. Use my .pnach file instead (NTSC-U).
Link:
http://www.mediafire.com/file/xbfc66dkvc7dnox
(Put it in the cheats folder of PCSX2, enable cheats from the PCSX2 menu, and remove the "//" from the cheats you want.)
Here's some SMT/Persona videos of mine, if you're interested:
(Tons of cheats, too.) Edit: Check the playlist in the description.