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

Chapter 16 Applying for a loan using the team as collateral

When you walked out of the lab carrying a mid-level divinely gifted crystal, the dean's cold gaze was like a thorn in your side.

"You know what the dean is thinking. If you die, he'll be fine."

[So, you decided to stay in Cloud City for the time being and not go to the wilderness yet. Everything will be done after you convert this unexpected wealth into your own combat power.]

[One intermediate God-given crystal can be exchanged for one hundred primary God-given crystals at the market price.]

[However, due to the preciousness and limited circulation of intermediate God-Granted Crystals, they can usually be exchanged for around 150 primary God-Granted Crystals.]

[Add to that the transfer fee for the instrument left by your mentor, and you'll have enough to reach level 9.]

【But you won’t enjoy this glory alone. 】

You are well aware of what you will face when you enter the wilderness. Only a well-organized team can withstand such a situation.

[Unless a person is overwhelmingly powerful, a person's strength is not really powerful.]

[After all, in this world ruled by extraordinary professionals, the power generated by the cooperation between teams is much stronger than that of a lone ranger.]

[With your help, the Red Heart Team's combat power has increased rapidly, and all members have been promoted to Level 7.]

[For a moment, Lin Xue and the others showed even more respect for you, even speaking with a hint of enthusiasm.]

Coming from ordinary families, they understand their own situation all too well.

If they hadn't met you, they wouldn't even be able to get into the worst universities, let alone go to college!

[Not to mention keeping up with the university process, or even advancing several grades within a year of enrollment.]

They dare not imagine how miserable their lives would be if you had not accepted them.

[Whenever it's late at night and everyone is asleep, their hearts can't help but surge with excitement.]

【You are the sun in their hearts! 】

[The light that dispels the shadows of their world! ]

[The spiritual pillar that illuminates and guides them to keep moving forward! ]

【you! 】

[This is the leader they will follow throughout their lives! ]

In June of the 126th year of the Transcendent Calendar, the Second University of Cloud City held its final exams. Approved by the Warrior Academy leadership, the Cult Master personally supervised the exams, with actual combat as the standard for performance.

[The target of the assessment is the Black Stone Swamp, a hundred kilometers away from Cloud City.]

For all college students, final exam results are extremely important. They represent their GPA and, more importantly, their future chances of joining one of the top 1,000 warbands or consortiums in the Federation.

[According to the school's publicity, candidates with excellent academic performance or who have served as student union president will be given additional points in the application process.]

【But you don’t care about that.】

Especially after the Dean of Studies acted so gentle and kind in front of you so many times, you simply feigned illness, falsely claiming to have been seriously injured in a dungeon battle and unable to attend the final exam on time.

[Upon receiving this news, the Dean rushed over in a hurry, even bringing a healer with him.]

[However, after you presented a report on mental stress symptoms, the Dean fell silent.]

Before leaving, he gave you a meaningful look.

[In September of the 126th year of the Transcendent Calendar, all members of the Red Heart Team were promoted to Level 8.]

[The improvement in the team's overall strength, coupled with the systematic blessing of the six major inscriptions of attack, defense, speed, recovery, dormancy, and concealment, has brought the Red Heart Team's combat power to a new level.]

[The current Red Heart team can already clear the Level 7 dungeon: Final Night at the cost of minor injuries.]

[According to your estimation, the Black Bay Debt Collection Team that left you cornered in the last simulation is no match for the Red Heart Team.]

【But you don’t need to rush to avenge this. 】

[After all, now is my golden growth period. If I miss this opportunity, I will never have it again.]

So, you must seize this opportunity. During this time, the Dean of the Military Academy arranged several outings for the sophomores, but you rejected them all.

When you refused for the third time, you were criticized by the school.

[When I refused for the fifth time, I was given a minor disciplinary warning by the school.]

[When you heard the news, you laughed out loud for no reason.]

[You've already received a major disciplinary punishment, and you still need this one more public criticism and a minor disciplinary punishment?]

[It seems that the Dean of Studies is about to lose his patience.]

[That's right, the monthly expense of one intermediate God-given crystal, who wouldn't feel bad about that?]

[But aside from the teaching assignments for field training, you participated in all other classes, even achieving excellent grades in every one, giving the Dean no opportunity to exploit the situation.]

[In March of the 127th year of the Transcendent Calendar, with the resources provided by the Red Heart Team and the Dean of Education, you accumulated enough primary God-Granted Crystals needed for the upgrade and reached level 10.]

[But after level 10, the job change quest is a big hurdle for ordinary professionals.]

[Task 1: Collect one thousand primary soul crystals!]

[Mission 2: Kill one thousand Abyssal Elite Creatures above Level 6.]

[For children from aristocratic families, the former is very simple.]

[After all, primary soul crystals can be purchased with money. For these wealthy families, anything that can be solved with money is not a big deal.]

[The latter is also easy for children from aristocratic families.]

[But for ordinary professionals, both Task 1 and Task 2 are difficult! ]

[Especially professionals with high debts, staying in a safe zone, where debt collection teams still have to consider federal laws.]

[But if you leave the safe zone, the debt collection and debt collection teams can do whatever they want.]

【Most importantly, now you need to consider the factor of the Dean of Students.】

Therefore, you need to be well prepared before leaving.

[For example, raising the level of all members of the Red Heart Team to level ten.]

[For example, replace all the inscription systems of the Red Heart Team with intermediate inscriptions.]

[In short, each of these items is a huge expense.]

"But there's nothing much to say. After all, you've experienced more desperate and powerless situations before."

[In this world, there is never a truly hopeless environment, there are only people who are hopeless about the environment.]

【There is always a way out! 】

【As long as you want to walk, the road is right under your feet! 】

[In July of the 127th year of the Supernormal Calendar, with your full support, all members of the Red Heart Squad have reached Level 9.]

[In August of the 127th year of the Transcendent Calendar, the Red Heart Squad's inscription system was completely replaced. All six major inscriptions are now intermediate-level inscriptions, significantly improving the Red Heart Squad's combat endurance.]

[In November of the 127th year of the Supernatural Calendar, the tank king of the Red Heart Team suddenly reached level 10.]

[From then on, the Red Heart Team's resistance to damage during combat increased significantly, allowing them to clear level 8 dungeons with minimal injuries, increasing their daily income.]

[Afterwards, you went to the dungeon hall and paid the 800,000 yuan registration fee. The Red Heart Team officially became an officially recognized team.]

[At the same time, the Red Heart Team has its own team emblem.]

[As the captain of the Red Heart Team, your authority on the Zhiwang has been increased.]

[In January of the 128th year of the Transcendent Calendar, you used the recent income statements of the Red Heart Team to make joint mortgage loans at several major financial institutions in Cloud City.]

[Ultimately, you, under the guise of not caring about high interest rates and paying a large commission to your financial manager, relied on the Red Heart Team to secure several unknown financial projects, ultimately securing a substantial loan from Yuncheng Bank.]

(End of this chapter)