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

Chapter 12 Prepared retreat
Normally, for a low-level startup team like the Red Heart Team, their daily mission is to fight in the dungeon hall. Their downtime is spent discussing and analyzing the habits and combat postures of the monsters in the dungeon.

[However, out of trust and loyalty to you, the members of the Red Heart Team followed your command and came to the Misty Wetlands to fight.]

[Under your leadership, the Red Heart Team quickly adapted to the frequency of combat outside the Misty Wetlands.]

[And because of the complementary operations of the team members, their income has almost doubled compared to the previous period.]

[According to this situation, they only need to continue fighting for more than two months to reach the next level.]

[Therefore, the members of the Red Heart Team are increasingly eager to fight in the Misty Wetlands.]

[However, you are well aware of the dangers deep within the Misty Wetlands, so you only set foot there occasionally. If you find something wrong, you will immediately lead your team away.]

[Most importantly, you discovered the Red Crows in the depths.]

[You still remember this damn team.]

[However, at this stage, the Red Heart team is no match for the Red Crow team, so you need to develop for a while longer.]

[June 19th, Year 125 of the Supernormal Calendar, the day of the final exam.]

[You bring the Red Heart Team to the exam site and arrange for people to take the exam.]

[Regarding the final exam, the members of the Red Heart Team don't really care.]

Because of this time together, they feel that following you will bring them a brighter future. They are indifferent to careers and universities.

[You only used one sentence to make the team members take the exam seriously.]

[As long as they can enter a vocational university and have the status of a college student, even if it is the worst vocational university, their loan amount will be doubled, and even many secretive loan institutions will be open to them.]

This made everyone's eyes light up. With a higher loan limit, they could buy higher-quality equipment and skill cards, further improving their combat power.

【As for the terrifying interest rate? 】

[Under your leadership, the Red Heart Team has already put this thing aside.]

[If you don't give rise to a single thought, you will instantly feel the vastness of the world! ]

[As long as they don't pay it back, does the interest that keeps rolling over over time have anything to do with them?]

【It doesn't matter! 】

[These lending institutions are simply the kindest people in the world.]

【Seeing that they were short of money, I came to give them some money.】

[As for the situation where you will be chased for overdue payments, you have already prepared a way out.]

[As long as all members of the Red Heart Team can complete their first transformation, they will be able to join the battle group as a whole.]

[In this extraordinary world, the Chapter is responsible for clearing out the creatures of the Abyss, and is also a military organization that stands on the front lines when facing an Abyss invasion.]

【Therefore, the power of the Chapter is very great.】

[As long as the Red Heart Team can become a team under the command of the war group, all the loans they owe will disappear.]

[The debt collection team under the loan institution dares to bully civilians at will, and dares to kill low-level professionals according to the agreement and then deprive them of their souls and harvest their organs.]

[But do lending institutions dare to challenge the war group? ]

Even the financial group behind the lending institution had to bow their heads in the face of the war group.

[As I said before, as long as one has sufficient power or strong backing, then so-called financial scams and loan agreements are nothing but waste paper!]

"Can this still happen?"

When Lin Xia saw this, her eyes moved.

Can a professional player join the battle group? Then he understood.

It seems that the ultimate way out for low-level professionals who are burdened with multiple loans is to use all means to improve their level and then join the battle group.

As long as you join the battle group, the deterrent power of the battle group will wipe out everything.

"So this world uses this system to force low-level professionals to join the war group?"

Lin Xia's eyes flickered. The abyss creatures were invading in large numbers, and the death rate of the regiment remained high.

In this situation, if the regiment lacks manpower, the defense lines around the world will be in jeopardy.

[The first level test of the final exam. When your level 7 appeared on the test stand, it immediately attracted a lot of attention.]

[It's normal for a child of an aristocratic family to have a high rank.]

[For professionals with gold-level talents, it's reasonable for them to have a high level.]

"But you're a professional with a Black Iron-rank talent, and the most useless Black Iron talent at that, Commander. How on earth could you reach level 7 in just three months?"

[However, those who are puzzled by you are all low-level professionals.]

[The children of noble families and those with high-level talents only glanced at you at best, not taking you, a level 7, seriously at all.]

Even if you accepted most of the results from the last simulation, you would still be nothing more than a larger ant in front of the wealthy children of aristocratic families.

[No one comes to provoke you, and no one comes to mock you. ]

How could a dragon, soaring high above and circling the nine heavens, care about ants struggling for their daily meals?

【The world is so big that nothing is impossible. 】

[Just treat this kind of thing as a joke.]

[The goal of the children of aristocratic families has always been to attend the top universities in the Federation.]

[At level 7, even if you excel in the second practical test, you can only enter a second-rate professional university at best.]

[Compared to you, who was quite eye-catching, the performances of the other members of the Red Heart Team were quite ordinary.]

[However, when the chief examiner announced that the actual combat test would be held in the Misty Wetlands, all members of the Red Heart Team cast admiring glances at you.]

[Even though they know you might be lucky.]

[But your ability to predict your luck still makes them admire you endlessly.]

[And just like that, thanks to your training over a month in advance, the entire Red Heart team achieved excellent results in the actual combat assessment.]

[After the final comprehensive scores were released, all members of the Red Heart team made it to the finals.]

[You even have a comprehensive score that exceeds the passing line, and you can apply to second-tier vocational universities throughout the federation.]

【For this, you make the following arrangements.】

[Taking advantage of this opportunity to go to college, all members of the Chixin team left Jiangcheng.]

After all, having taken out so many loans on the Jiangcheng black market, he still needed to stay out of the spotlight for a while before he could develop.

[So, with your approval, everyone in the Red Heart team decided to move to Cloud City for development.]

[You were admitted to the Second Professional University in Cloud City, while Lin Xue and the others were admitted to the Third Professional University in Cloud City.]

[However, before leaving Jiangcheng, you led the Red Heart Team to the black market again, using your transcripts and a copy of your admission letter as collateral to borrow a large sum of money from Hei Xin Dai and Yan Wang Dai again.]

Your teammates have reached level 5 and have upgraded their gear based on the increased amounts of 74 types of loans, including Soul Loans, Equipment Loans, and Skill Loans.

(End of this chapter)