It's the students' fault if they are too popular.

"Hey, I know your family's situation. I'll think of a solution."

The phone hangs up.

Gu Yiwen shook his head and sighed, then went into the bedroom to discuss things with Ruan Chen.

Just a moment later, Ruan Qian heard her father's angry voice, his rejection, and her mother's argument.

"My sister raised me since I was a child. Her family even lent us money to buy a house...Her family is in trouble, how can we not help? I really have no money now, can you give me your savings..."

"How can that be possible!" Ruan Chen growled, "That's the money I left for Xixi and Xiaobei! You must not touch this money!"

"But she's my sister! It's not like she won't pay you back if you lend her money..."

Only then did Ruan Qian realize that this sudden disaster affected more than just her aunt's family.

Chapter 87: Loan Repayment

If you don't pay back the money you borrow from the bank, you will inevitably be summoned by the court.

If you don't pay back the high-interest loan from gangsters, you may suffer physical pain.

If you don’t repay online loans, you may end up in ruin.

In this era when the P2P model is booming, legal supervision is lax and no specific management regulations have been issued. In such a vague and murky area, the lucrative and trendy online loans have emerged. Ordinary people with some money invest - this is much more profitable than bank interest; people who are brainwashed by consumerism take out loans - this is much easier than borrowing money from friends.

But the former may face the platform running away, and the latter may be crushed by debt and their families broken up.

[Ruan Xiaobei]: They are arguing again.

Ruan Qian glanced at WeChat and sat on the bed. She could hear her parents' argument through the wall.

She found the person who sent her the video again, took a deep breath, and started typing.

[Ruan Qian]: How much does she owe you?

【Shizhi Loan】: Principal 4, interest 3.

[Ruan Qian]: Isn't it illegal for you to charge such high interest rates? Aren't you afraid that we will call the police?

[Shizhidai]: Haha, go and apply for it.

Ruan Qian was greatly frightened by such an arrogant attitude.

She had been a good kid since she was little, and she had never thought that someone could be so contemptuous of the law - if there were any relevant laws.

She couldn't swallow this breath, frowned and poked her cousin privately, asking:

"Did you call the police?"

Chen Xiaofu took a long time to reply:

"I reported it... the police don't care."

"What did the police say?"

Chen Xiaofu didn't reply. After a while, she suddenly called. When Ruan Qian answered the phone, she heard her cousin crying:

"The police said... follow the contract. They said this is a civil dispute and they won't accept it..."

"But they all threatened you with your video..."

"Xiao Qian," Chen Xiaofu paused with sobs, "You, you didn't show the video to anyone else, did you?"

"How is that possible?" Ruan Qian comforted, "I deleted it a long time ago. Only my mother and I know about it."

"Thank you... I was so scared... They said if I miss the deadline, they will send the video to the school... The school will definitely make me expel." Chen Xiaofu said sobbing.

"Don't be afraid, cousin. The video should not have been sent to anyone else. This is just a warning. Let's pay off the loan first, then pay off the part that needs to be reported to the credit bureau, and we can take our time with the rest." Ruan Qian coaxed softly.

She also knew that once the video got into someone else's hands, it would be impossible to delete it completely in this lifetime, but paying back the money would indeed prevent the video from spreading among her acquaintances, and for a girl, this was the most important thing. My cousin still had to study, work, and get married in the future, and if this kind of thing got out... I'm afraid everything would be over.

"Xiao Qian... I checked online," Chen Xiaofu sobbed, "For the kind of online loan I borrowed, I don't have to pay it back once I die..."

"Cousin, don't do anything stupid!" Hearing this, Ruan Qian was anxious and angry, "Is your life worth only 600,000 yuan? How much money did your aunt spend raising you? Do you want to die? If you die, they will release the video, and your family will only be more sad!"

"I know... I deserve to die. I feel so sorry for my parents. I don't want to burden them anymore..."

People regret after they have made a mistake.

"Then repent." Ruan Qian sighed, "The money can definitely be repaid... Borrowing money and selling the car can pay back part of it. Your life and 600,000, even if the aunt loses everything, she will definitely choose you."

If she owed so much money, her parents would probably sell their blood and kidneys to help her pay it back. At least her parents were like that, they would rather die than let their children suffer injustice.

Therefore, Ruan Qian would never let herself fall into such a situation.

The parents next door finally stopped arguing. Maybe they were tired of arguing and decided to talk tomorrow. Ruan Qian checked her bank card balance on her phone. There was more than 60,000 yuan in it, which was the prize money for the comics competition. There were 120,000 yuan in rewards on the backend of ican Comics Network - 100,000 of which were from Teacher Tong. After deducting the website share and income tax, there should be more than 60,000 yuan.

Her mother asked her to return the tip from Teacher Tong, but she has to wait until next month to withdraw the money, so she hasn't returned it yet.

All in all, she, a sophomore in high school, actually had a savings of 130,000 yuan.

Is it because she is good at drawing comics? Not necessarily.

In any case, in this world, money is the most important thing. She can afford to eat, live in a house, see a doctor, and go to school. Ruan Qian was already satisfied, but to pick the snow lotus of Tianshan Mountain, she needed to climb higher.

-

-

The second day of the new year.

It should have been a festive occasion, but the house was deserted. Gu Yiwen and Ruan Chen were probably in a cold war. After making breakfast, Gu Yiwen went out, supposedly to help her aunt find a solution. Ruan Chen rarely went out to play cards. He lit a cigarette, took a few puffs, and went into the room alone.

"Sister, I'm going out." Ruan Xiaobei quickly finished his breakfast and wiped his mouth.

"What are you doing?" Ruan Qian grabbed him, "To the Internet cafe?"

"Um, I really have something to do with the information competition, so I'm not going to play games..." Ruan Xiaobei said frustratedly, "The one I built myself broke down again."

Ruan Qian silently let go of him and said softly:

"Then study hard and don't cause trouble for the family at this time."

"I understand," the boy nodded, "I have found like-minded friends."

Ruan Qian didn't know anything about information technology, so she waved goodbye. On QQ, the editor was urging her to submit more articles for this week, hoping to give her a big recommendation during the Spring Festival, and she had a lot of things to do.

She passed her parents' bedroom and heard the sound of rummaging through boxes and cabinets. She stood there for a while and knocked on the door in confusion:

"dad?"

The door opened.

In front of her was Ruan Chen's unshaven face. He held a dark red passbook and several bank cards in his hand, and forced a bitter smile at his daughter. Ruan Qian felt a pain in her heart for some reason, and asked:

"what happened?"

Ruan Chen put out his cigarette and said:

"I thought about it. Now that you've grown up, you need to know about the family savings and learn to plan for your life."

Ruan Qian was stunned. She didn't want to know about this topic for no reason. It seemed that if she knew, the burden on her shoulders would be heavier and the carefree world would be far away. But in the end, she lowered her head and said "hmm" softly.

"These are from the Agricultural Bank of China and the Construction Bank of China," Ruan Chen took out the passbooks and cards one by one in the living room and threw them on the table. "There are also ICBC and Postal Bank. Dad lost all his money in business. These are left to us by your grandparents. There are national debts and financial products in them. Count how many there are."

Ruan Qian looked at the details on the table, was slightly stunned, and started to do simple addition and subtraction in her mind.

"Fifteen...twenty...two hundred and twenty thousand," she said softly.

"Two hundred and twenty thousand." Ruan Chen sighed, "One hundred thousand of it is for your mother and me to live on in our old age. You don't have to worry about us anymore. The remaining one hundred and twenty thousand is for your brother, seventy thousand, and for you, fifty thousand. Your grandfather has a 70-square-meter house in the county, which is worth some money. I'll give it to you as a dowry. Your mother has to pay for your tuition and living expenses. I guess she doesn't have much savings."

"dad……"

This topic seemed surprisingly heavy. Ruan Qian spoke in a daze. She suddenly remembered a saying: nothing is simple in the adult world.

"Dad said this just to tell you that mom and dad can give you very little help in the future," Ruan Chen narrowed his eyes and pinched another cigarette in his hand, "Actually... Dad really wants to make money and let you be a little princess, but Dad is useless."

His eyes were hazy, as if he was recalling the prosperous days of the arcade. Then, he coughed forcefully a few times and suddenly returned to the cold reality.

No father is willing to admit his incompetence in front of his children, especially his daughter. He wants to be a hero, but the hero fades too early.

"Dad..." Ruan Qian bit her lip, "I think it's good now, just like our family."

Ruan Chen exhaled and said dejectedly:

"Your aunt and her friends didn't sleep all night, trying to find ways to raise money. Your aunt doesn't have many people to borrow from, and your mom wanted me to lend them 60,000 yuan, but I refused."

Not to mention when or whether you can pay it back, if you delay paying it back for a long time, you will still be at a loss. It is embarrassing to ask for interest when borrowing money from relatives, not to mention that there is a high probability that you will not get it back.

The man rubbed his eyes with his palms and smiled bitterly:

"Xixi, do you think I should borrow it? Your mother and I can't convince each other. You are grown up now, what do you think?"

Ruan Qian thought, it turns out that growing up is really so troublesome.

She didn't say anything, but quietly placed the phone in front of her father. Ruan Chen let go of his hand and saw a string of bank balances - more than 60,000. He couldn't believe it, looked at his daughter in surprise, and said in a lost voice:

"Where did you get so much money?"

"The prize money for the comic book competition was not borrowed." Ruan Qian lowered her eyes, "Don't quarrel with mom in the future, okay."

Ruan Chen was stunned and speechless.

-

-

The girl only vaguely mentioned that her comic book had won an award, but not the prize money, and Gu Yiwen only thought that the prize money was only a few thousand. After learning that it was a huge sum of 70,000 yuan, she hesitated when she wanted to lend the money to her aunt. It was not because she was reluctant, but as a parent, she did not want to use her daughter's hard-earned money.

But in the end, Ruan Qian still stuffed it into her pocket.

Since then, the 70,000 yuan prize money has been basically used up. Teacher Tong’s reward will be returned next month. The little girl who had more than 100,000 yuan yesterday seems to have become a pauper today.

Everything seems to have to start from scratch again.

Although Ruan Qian felt disappointed, she felt more relieved.

Money can be earned again, but the love of my aunt's family and my cousin's life can never be recovered once they are lost.

Three days later, with the help of the older generation, my aunt's family scraped together money and sold their new car that had only been driven more than 100 kilometers, raising a total of 600,000 yuan. When they paid off the loan, my aunt and her husband looked like they had aged ten years. Chen Xiaofu burst into tears, knelt down and said she would never do it again.

The loan incident that had caused unrest among several families finally came to an end when the last loan was paid off.

When Tong Yao, who hadn't received a call from the little girl for a few days, called her, she learned from the little girl's joking words that such a big thing had happened in Ruanruan's family.

"You really are..." Tong Yao thought for a long time and didn't know what to say, "You are willing to give it up."

She sat at the desk and sighed in her heart, her silly girl.

She wanted to say that by the end of the year, a large number of online loan companies might go bankrupt, the government would soon issue management regulations, and there would be a crackdown in a few years, but she stopped talking. After all, it was the experience of the previous life, and how this life would develop was still unknown. What if the country did not pay attention this year?

If it were most families, they would probably choose to repay the loan as soon as possible for the safety of their children.

"Teacher Tong," Ruan Qian curled her lips, "I'm out of money again."

"It's okay. I'll support you."

Chapter 88: Miaomiao

"Really?"

"Uh..." Tong Yao choked, and she subconsciously said something that sounded like a confession, making herself blush.

"Hehe, I don't need Teacher Tong to support me," Ruan Qian said with a smile, "I will support Teacher Tong in the future."

Words like "I will support you" seem to be more touching than "I love you".

"Okay, stop talking nonsense." Tong Yao was glad that her expression would not be seen by the little girl. "Did your aunt pay off the debt?"

"Ah."

"Hey...you should ask me for help. I can find a lawyer to help you sue those companies and pay a lot less."

"School will start soon, and my cousin has an internship, so my aunt and the others want to resolve the issue as soon as possible." Ruan Qian held the phone between her face and shoulder, still drawing in her hands, "They don't want to affect my cousin's life. Besides, hiring a lawyer and filing a lawsuit will cost money, and I don't want the flower girl teacher's money."

The girl's words were simple and straightforward, without beating around the bush. Her voice was sweet and pleasant to hear. She always shared something happy on the phone, and it seemed that she was well prepared every time she called. This time was an exception, as it was Tong Yao who called. She held the phone and suddenly found that she had nothing to say. She was not good at finding topics, so she had to ask in a formulaic way:

"What are you...doing now?"

"I'm drawing," Ruan Qian moved her neck, "I'll update during the Spring Festival."

"You've worked so hard..." Tong Yao was awkward, or perhaps too embarrassed to say something comforting, "Well, you should take a good rest."

"I know, Teacher Tong." Ruan Qian smiled, her eyes melting into tears. She clamped her phone tightly, stopped writing, and said softly, "I'm so happy that you called me."