After clearing the level, the fairies were reborn!

Immediately, everyone on the main peak bowed in respect.

Even Yu Xin, an inner disciple, was no exception.

However, when he clasped his hands in greeting, there was not much respect on his face; in fact, one could even see a hint of dissatisfaction.

This expression went unnoticed by others, but Xu Ze noticed it all.

"Come on, give me your token."

With a warm smile, Dong Wei greeted everyone while accepting the sect token from the male disciple.

A short while later, a scene that left the latter speechless unfolded.

"Where did these 150,000 contribution points come from?!"

The disciple token, which should have been empty, suddenly had a string of astonishing numbers appear on it!

"This is your backup contribution point in Gao Lifeng. You can use it whenever you need it in the future, so you won't have to worry about the high price of cultivation techniques anymore."

The wealthy student frowned. "Senior brother, isn't this a loan? I'm afraid..."

Although he was afraid of hardship, he wasn't stupid.

Do I not have to pay back what I borrow?

Ultimately, it's not yours to own.

"What's there to be afraid of? Gao Lifeng is a big platform, it's secure. With your contribution points and loan records, you can even find a job here..."

Dong Wei truly lives up to his reputation as a spokesperson; he is very proficient in the entire business.

Before long, he had arranged the disciple's future perfectly.

The loan was extended for ten years at an annual interest rate of 36%. The total interest paid amounted to five times the principal.

The people around gradually dispersed.

As they left, everyone clutched their tokens tightly, afraid they might be taken away if they weren't careful.

"Humph."

Seeing how ill-mannered these newly arrived outer disciples were, Dong Wei simply smiled faintly, a chilling coldness emanating from the depths of his eyes.

Now everyone thinks they're superior.

You'll all borrow it sooner or later.

When you see this disciple, who borrowed the contribution loan, making rapid progress in his cultivation, enjoying the techniques and taking elixirs several years ahead of you...

At that point, no one will be able to remain rational.

Just when Dong Wei thought everyone had left and he was about to leave as well,

"Senior Brother Dong." A clear, youthful voice called out to him.

He turned around abruptly, and as a Foundation Establishment cultivator, he was almost startled by a Qi Refining cultivator.

When did this kid get here?

"Is something wrong?"

Seeing that only this one outer disciple remained, Dong Wei became less polite.

"Can I apply for the contribution point loan that my senior mentioned?"

Xu Ze handed over his token directly.

"Oh?" Dong Wei's face instantly lit up with delight.

Damn it, I almost misjudged him.

This kid's got some sense!

It's rare to see someone proactively apply for a contribution loan on their very first day in the clan.

"of course can!"

"Is the maximum limit 150,000? No more than that?"

Upon hearing Xu Ze's question, Dong Wei's hand froze in mid-air.

He looked the boy up and down again, a look of surprise on his face: "150,000 contribution points aren't enough for you?"

Dong Wei wasn't afraid that Xu Ze wouldn't repay the money.

He has many tricks up his sleeve.

Moreover, among the many outer disciples of Biyang Sect, there are quite a few who default on their debts.

Even if they reach the final step, this cultivator's entire body is a treasure trove—flesh, blood, bones…

"I saw that the senior brother just borrowed 150,000. If I only borrow the same amount as him, how can I widen the gap in the early stages?"

Xu Ze's eyes were clear, but in Dong Wei's view, they also revealed a hint of foolishness.

"Well done! You're a real talent."

Of course he wouldn't refuse.

He had never seen such a request in his entire life!

The higher your cultivation level is in the early stages, the more you can motivate the remaining people who haven't taken out loans!

"The maximum credit limit I can give you is 300,000. How about this, I'll introduce you to a few junior brothers. They're all stewards of Gao Lifeng. The credit limits are a bit low, but the interest rates are very high..."

……

After an afternoon of mysterious rituals, Xu Ze had taken advantage of all his fellow loan sharks.

He had only been on the mountain for a day, yet he already possessed a staggering 800,000 contribution points.

As for interest.

What interest rate?

If I don't pay it back, where will the interest come from?

Xu Ze strode confidently into the cultivation technique pavilion on the main peak.

Chapter 38 Miners

Over the next month.

Xu Ze mainly focused on buying all sorts of rare and unusual techniques, even including books on formations, alchemy, and talisman techniques.

As for why he didn't buy weapons and pills, one reason was that he was only allowed to buy them as an outer disciple, so he couldn't use them.

On the other hand, it's "can't be taken away," so hoarding too much is useless.

Knowledge, however, is different; it can be retained through memory.

"Sigh, I still have over ten thousand contribution points I can't spend..."

While struggling to read, Xu Ze grabbed handfuls of pills beside him to restore his mental energy and stuffed them into his mouth.

This thing isn't really that useful.

The main problem is that it's expensive.

A short while later.

Outside the cave, filled with spiritual energy, Dong Wei led a group of people to collect a debt.

"Junior brother, it's time to repay the loan!"

"I've already given you several days' grace. If you don't pay me back soon, you know what I can do!"

Xu Ze grabbed two more handfuls of pills, stuffed them into his mouth like candy, and spat out two words:

"No money."

This made the young man outside the door think he had misheard.

No, buddy.

Are you really that arrogant?

Before he could even come to his senses...

"--boom!!"

The next second, a dazzling burst of fire shot into the sky, and a violent explosion blasted a huge crater into the entire mountain!

Xu Ze immediately tested the self-destruct technique he had just learned.

Hmm, it looks impressive, but the effect is just so-so.

Even these loan sharks couldn't be killed by the bomb.

"Birth! Birth!"

Dong Wei crawled out of the ruins covered in dust and dirt, his teeth almost grinding to powder.

"This kid doesn't plan to pay back even one installment!!"

……

You've exposed yourself.

No new progress has been achieved; the game has been reloaded for you.

When Xu Ze opened his eyes again, he was back in the crowd of people taking the test.

The same scoring control process.

Standing atop the main peak once more, this time he wasn't very interested in loans.

Biyang Sect is, after all, just a beginner's village.

With the privileges of an outer disciple, there's practically nothing of value in the cultivation technique pavilion.

I can only learn miscellaneous things.

"First, find a place to hide and fast-forward, then wait for a suitable opportunity to suppress my cultivation level to the late Qi Refining stage and gain the identity of an inner disciple..."

We should stick to the strategy of avoiding being targeted.