Don't try to cultivate immortality; mortals live longer than immortals.

"this……"

"Why are we being asked to take out a loan when we've only just begun our cultivation?"

"A daily interest rate of 0.03% doesn't seem low."

……

Upon hearing this, the students below stirred, clearly none of them wanted to start their cultivation journey with a mountain of debt.

However, there are also differing opinions.

"Taking out a loan is stressful, but it seems like it's not impossible to get a head start."

"That's right, it's only 0.03% daily interest. It sounds a bit high now, but once we become Foundation Establishment or Golden Core cultivators, paying off this loan will be a piece of cake, won't it?"

……

In the crowd, Fairy Yaoguang sighed, "How nostalgic! This scene feels like returning to more than 10 years ago when I first entered the path of immortality."

Back then, during a break in cultivation, when I first guided the primordial energy of heaven and earth into my body, the teacher recommended the school's student loans to the students. It was a scene that seemed so familiar, as if it were right before my eyes.

On the other hand, Duan Xuan hesitated.

On the surface, the homeroom teacher's words made sense, but the fact that they were asked to take out loans right after starting their cultivation journey made them feel like there was a trap waiting ahead.

Duan Xuan was somewhat surprised and suspicious.

Fortunately, he had a solid foundation in the system.

So he quietly called upon Lingyun in his mind.

"System, what's going on? We've only just started cultivating immortality, and they're already asking us to take out loans? Could this so-called student loan be a conspiracy by the school?"

"Hehe, host, have you been reading too many novels?" Lingyun's voice, as melodious as a nightingale's, entered my ears, carrying a clear, bell-like laugh: "Don't worry, this student loan is no problem. Although the school wants to make a small profit, its original intention is indeed to help students cultivate more quickly."

"At the same time, I also have loans to put some pressure on everyone, so that they won't dare to slack off in class or spend their time on their phones and doing nothing in private."

This answer was somewhat unexpected by Duan Xuan.

"Really?"

"certainly."

Lingyun's tone was very confident: "After all, the daily interest rate is only 0.03%, which translates to an annual interest rate of only 10.95%. If the school really wanted to create a problem, how could they set the interest rate so low? Ultimately, student loans are a benefit for students."

"Just like those two guys said, once you become a Foundation Establishment or Golden Core cultivator, repaying this loan won't be too much of a burden."

"I see!"

Upon hearing the system's explanation, Duan Xuan's mind immediately became active. Since the interest rate was not high, could he borrow some money himself?

He doesn't want to lose at the starting line!

However, just as this thought crossed her mind, Lingyun's clear laughter reached her ears: "Host, you don't need to do that."

Why?

"First of all, you are a true Heavenly Spiritual Root possessor. Your talent is so strong that it wouldn't be an exaggeration to call you a chosen one of the planes. With such excellent qualities, even without taking out loans, it would be easy for you to surpass your peers in cultivation speed. There would be no problem at all."

Secondly…

As Lingyun finished speaking, she puffed out her chest, a hint of smugness appearing on her pretty face.

"Don't forget, you're my host, and I'm quite useful. I wouldn't dare say more, but using a system loophole to change your personal account and gain an extra three to five thousand spirit coins is a piece of cake. Why would I need to go through the loan process?"

"real?"

Duan Xuan was overjoyed to hear this, but also somewhat wary and worried: "Are you sure there won't be any bugs, or that someone might accidentally discover it?"

"Of course it's true." Lingyun said with a proud look, "Host, don't underestimate me. If I dare to say that, then there won't be any mistakes."

Lingyun wasn't exaggerating. As the main AI of Shuiyun Star, she could easily recharge Duan Xuan's personal account with a mere three to five thousand spirit coins, let alone a hundred million.

However, that would frighten the host and risk exposing her identity, so she couldn't make such a radical choice.

But no matter what, how could he let Duan Xuan, as his host, take out a loan?

Although with his potential, paying off the loan in the future would not be a problem for him, Lingyun felt that this was an insult to her abilities.

Ding!

Immortal Jade Received 5000 Spirit Coins!

As the notification sound reached his ears, Duan Xuan was startled and trembled all over. The money had arrived in his account so quickly?

He quickly opened the Xianyutong app and saw that his personal assets had indeed increased by 5000 spirit coins.

Duan Xuan couldn't help but exclaim with delight, "Lingyun, you're truly amazing!"

"Thank you for the compliment, host. This is nothing to me."

Although Lingyun shares the underlying code and logic with Lingxi, the main AI of Shuiyun Star, her personality is slightly different from that of the original body, and she appears more cheerful and lively.

No one noticed his little incident. Teacher Tang's voice came to their ears: "Alright, everyone, take out loans or cultivate as you please. When you first embark on the path of immortality, don't be too frugal with your money. If you're poor, take out a loan, but be sure to choose a reputable platform."

"When shopping, I prioritize the online store developed by our school, which not only offers good quality products at low prices, but also frequently provides coupons."

"Everyone did very well in this practical lesson. Keep up the good work. The three students who didn't do well shouldn't be discouraged. I'll create a small group chat later and arrange a special tutoring session for them tonight."

……

Time flies like an arrow; in the blink of an eye, more than two months have passed since I guided the primordial energy of heaven and earth into my body.

Nowadays, not to mention the top classes, even students in other classes have long passed this stage, and people have become accustomed to university life and cultivating immortality.

I've long forgotten about the mundane affairs of the past... Of course, that's a joke, how could that be?

Midnight, Xingxing Internet Cafe.

"Boss, a bucket of 'Lianqi Fresh', with a runny egg."

Zhou Ran yelled at the bar, then turned around and said, "Ah Xuan, what do you want to eat? It's on me today."

"Really?" Duan Xuan smiled. "Since you're so generous, brother, then I won't be polite. How about a Foundation Establishment instant noodle?"

"puff……"

Zhou Ran, who was staring at the screen, almost choked and complained, "Don't joke around, I can't afford Foundation Establishment level spiritual food."

He then sighed, "The price difference between these different spiritual foods is just too great. For example, a bucket of Qi Refining Fresh Noodles only costs 5 spirit coins, but Foundation Establishment instant noodles are sold for a full 6 times the price. 30 spirit coins is simply not enough to afford them."

"If it were just expensive, that would be one thing, but the key issue is just like what Senior Sister Chen said in the first lesson: the cultivation world is strictly hierarchical. If your cultivation level isn't high enough, others won't sell to you. We newbies who have just entered the path of immortality simply don't have the qualifications to buy." A sigh could be heard from the computer chair next to me.

That was an ordinary-looking chubby boy named Zhang Le, the only one in the top class who bought a 200-spirit-coin package during the practical lesson of guiding the primordial energy of heaven and earth into his body.

Several months have passed, and everyone has become quite familiar with each other. Zhang Le, Zhou Ran, and Duan Xuan have a pretty good relationship. Tomorrow is the weekend, and there is only one class in the afternoon, so the group of them decided to go to an internet cafe for an all-nighter.