You want me to take out a loan to practice cultivation? I'll just pay off the debt physically.

Chapter 1 Loan of Favor

Dear Mr. Lin Xia, your Enqing Loan is overdue. Please repay as soon as possible. Overdue payment will affect your credit record and prevent you from accessing the instance normally. Thank you for your understanding and support.

[Friendly reminder: If your Enqing Loan is overdue for a long time, according to the voluntary agreement signed by both parties, the Enqing Loan will automatically be converted into a Soul Loan!]

Lin Xia sat in her rental house, looking at the debt collection message on her mobile phone, very silent.

I just took a nap at home and was transported to another world.

According to the original owner's memory, this is a world ruled by extraordinary professionals.

Outside the safe zone, endless abyss monsters roam around.

If an ordinary person without extraordinary powers goes out, he will only end up dead.

It is also very simple for ordinary people to cross classes and become high-ranking professionals. In their senior year of high school, they just need to pay two million awakening funds to the school.

After awakening and becoming a professional, you can even take the final exam three months later.

Those with excellent academic performance can enter professional universities for further studies and gain even greater strength. After graduation, they can use professional universities as a springboard and be eligible to join the battle group.

Considering that an average family cannot come up with two million yuan at once, many lending companies have jointly launched the related business of awakening loans, claiming that this is the only opportunity to help the lower class cross the class.

Among all loans, the interest rate of Awakening Loan is the lowest, so Awakening Loan has also been jointly created by many institutions as Grace Loan.

Of course, a family with some savings can still scrape together the awakening money by emptying four wallets.

But as an orphan, the original owner had no family support.

Under the persuasion of those loan institutions, in order to cross the class barrier and have the hope of entering a vocational university in three months, he made up his mind and signed the loan of grace.

But as expected, the original owner awakened the most common Black Iron level talent.

Moreover, it is the most useless command talent.

【Talent: Loyalty.】

【Rank: Black Iron.】

[Introduction: When someone offers their loyalty to you, they will listen to your teachings in their hearts within a kilometer radius.]

"I heard that high-level professionals can transmit sound, so what's the use of my talent?"

"And others are offering their loyalty to me?"

"With my appearance, my background, and nothing, who would be loyal to me?"

"Isn't this just a waste of talent?"

Lin Xia had a headache. The current situation made him a little confused.

What is the meaning of traveling through time?
Forget about vocational university!

Not to mention the top 100 vocational universities, even vocational universities established by private institutions probably wouldn't admit him.

Pure hell start!

Is the purpose of him coming here just to work and bear the lifetime debt of gratitude for the original owner?

With an annual interest rate close to half, this is actually the loan with the lowest interest rate in the world?

Without counting the added interest, will it double in two years?
Even one's own soul can be used as collateral with integrity?

From this perspective, if I can't pay it back for a long time, will I commit suicide in the near future, and then all my internal organs and soul will be scattered all over the world?
The world of extraordinary professionals is a bit crazy!
【Life Simulator binding completed.】

[Host, have you started the first simulation? ]

At this moment, a cold mechanical voice appeared in Lin Xia's mind.

This made him slightly stunned. Life simulator?
Your own golden finger?

OK!

This is great!
Now that he was facing a desperate situation of compounding profits, perhaps the only way to break out was to resort to cheating.

Thinking about it, he moved his mind and started the first simulation directly.

[Simulation begins. 】

On March 19th, 125th year of the Supernatural Calendar, you looked at your professional talents and thought about the huge debt you were carrying. Although you felt helpless, you knew that life had to go on. So, you began to learn about professionals online.

[You soon realized that the way professionals upgrade is slightly different from what you expected.]

[Whether you're playing a dungeon or hunting Abyss monsters, you won't gain any experience.]

[However, after a dungeon monster or abyss monster dies, there is a certain chance that different levels of God-Gifted Crystals will be dropped, depending on their level and rank.]

[Professionals refine the divinely gifted crystals and absorb their energy. When the energy bar is full, they can level up.]

[Even though his awakened talent was poor, he had no combat experience, and he didn't know much about extraordinary professionals.]

But you hold onto the idea that you'll have to pay off the loan for the rest of your life anyway, so you want to give it a try.

What if I can find a balance between income and expenditure on this path of becoming a super professional?

[So, you headed to the Jiangcheng dungeon center to look for an opportunity.]

[However, after arriving at the dungeon hall, you discover that entering the dungeon actually costs money. Even for a level 1 dungeon, the entrance fee is 3,000 yuan.]

[The higher the level of dungeons, the higher the amount of gold required.]

[Not only that, joining a guild, joining a team, and even consulting for dungeon-related information all require payment.]

If you don't pay, no one will pay attention to you.

[Especially since you're a new professional, without any equipment and clearly from a poor family background, no team or professional would bother with you.]

[Of course, you, helpless as you are, still attracted the attention of a special group.]

[For example, the salespersons of the lending institutions around the instance.]

[Nowadays, we are in the era of the intelligent internet. Faced with intelligent internet data analysis, low-level professionals have no secrets at all from these lending institutions.]

[So the salesperson immediately saw that you were a new professional with no family support and could only rely on the Awakening Loan to fulfill your dreams.]

[It is you, the passionate young people who believe in the principle that your fate is in your own hands, not in the hands of God, who are their main customer base.]

[With the idea that customers are king, these salesmen have excellent service attitudes.]

After a brief look at copy loans, you discover that these loans are charged on a daily basis, but the interest rate is extremely high, reaching an astonishing 10% per day.

[However, if you can kill the dungeon boss and clear the level, based on the dungeon's output rate, you can pay off the loan directly after you exit, which is actually equivalent to paying an extra few hundred yuan.]

You disagree with the salesperson's statement.

[All of this is based on clearing the dungeon. Based on his current situation, he feels that he has a high probability of not being able to clear it.]

[But there is always a way out, you found a team recruiting waste removal workers. ]

[The scavenger's dungeon ticket will be borne by the team.]

[One copy of the scavenging, 200 yuan, payable in cash.]

[You are currently too poor, so you are eager to take on the job of scavenging in dungeons.]

[However, when you applied for the job, you were told that if you wanted to join the team and become a scavenger, you needed to first join the Scavenger Alliance and obtain a scavenger certificate issued by the Scavenger Alliance.]

[As a regular team, the Qingyun team must hire scavengers who are members of the Scavenger Alliance. Only with the Scavenger Alliance's endorsement can they trust you.]

[And when you look for how to join the Scavengers' Alliance, you find that the Scavengers' Alliance has a probationary period.]

【The probation period is three months.】

[During these three months, all your income will belong to the Scavengers' Alliance.]

After three months, a professional evaluation team from the Scavengers Alliance will assess your scavenging activities to determine if you are eligible to join the alliance.

[In other words, you need to work for free for three months before you can qualify to join the Scavengers' Alliance.]

Lin Xia: “.”

Isn't this pure deception?
Work for free for three months?
As long as he could work for free for three days, he thought this rule was normal.

But three months, this is obviously freeloading!

(End of this chapter)