I am a demonic cultivator, not a capitalist with a conscience.

Chapter 413 Let's Get a Loan (66)

"Chen Yu, this is the Hehuan Sect's enrollment guide for this year. Please take a look."

"Eh?"

Looking at the admissions guide handed to him by Teacher Zhao, and then at his current grades, Chen Yu felt like he had seen this scene somewhere before.

The Heavenly Demon Body can also reshape time and take me back to the past, right?
At this moment, it was as if a slideshow was playing in Chen Yu's mind, with scenes from the past flashing before his eyes, but most of them were images of him suffering because of his own martial arts.

If I could really go back to the past, what would the suffering I endured amount to?
Am I just unlucky?
Teacher Zhao didn't see Chen Yu's expression at that moment. He simply picked up a large teacup, took a sip of tea, and said, "How many of us do you think will meet the requirements for the Joyful Union Sect this year?"

"Phew... Teacher Zhao, don't scare me. It's the first day of school, you can scare others, but don't scare me."

Teacher Zhao squinted at Chen Yu, then suddenly laughed and said, "You weren't like this last year, kid."

"The past is the past, the present is the present."

"Hmm...that's fine. By the way, what's going on with your room?"

"I roughly guessed that Ma Daqiang would come to copy my homework, and Liu Qing also anticipated that Ma Daqiang would come to copy my homework, so she came to stop him. The two of them will definitely fight when they meet, and the result will definitely be that Ma Daqiang gets beaten up."

"Then how did you know the room would explode?"

"I don't know about that, but I know those two definitely won't stay quiet, so I might as well go out and get some sleep. By the way, what caused the explosion at the end?"

"It's still under investigation, don't worry too much about it. You're doing well right now, keep it up."

Over the course of the summer vacation, Chen Yu's mental state seemed to have improved considerably.

It seems that the events of this summer have tempered his disciple's character, making him less nervous.

However, only Chen Yu himself knows the truth.

His current emotional capacity is 18 million, and he also has a reserve bar, so he doesn't need to be so nervous.

Moreover, with most schools recently reopening, the traffic to "Journey to the Abyss" has naturally decreased, with both positive and negative sentiment remaining around 300,000 per day.

So as long as there are no problems, I can relax a little.

During this time, I should make good use of my weaknesses, improve my strengths, and strive to get full marks in my academic subjects.

In this way, entering the archaeology department of the Xuanfa Sect is a sure thing.

After feeling smug, Chen Yu opened the Hehuan Sect's enrollment brochure and found that the sect was as expensive as ever this year.

The basic tuition fee is 120,000 yuan per year, textbook fees are 13,000 yuan, accommodation fees are 5,300 yuan per month, and other miscellaneous fees add up to about 200,000 yuan per year.

Furthermore, the Hehuan Sect has additional evaluation criteria, such as appearance, physique, and talent.

If you're not good-looking enough, you can spend money to get cosmetic surgery at a university hospital. Specialists in this field can meticulously refine every pore, ensuring that even fans can't see it under a microscope.

Those who are not physically fit can be possessed by ghost cultivators. A large number of ghost cultivators specializing in physical fitness can help students develop a devilish figure within a month, while the students can simultaneously learn other professional knowledge.

No talent is no problem. The school has a plethora of competitions, and as long as parents are willing to pay, the school will help promote and support the students, guaranteeing they'll win and become shining stars. After reading all the content, Chen Yu couldn't resist using his spell, "Highlight the Key Points," and saw that the key point was simply: Come on, you leeks (a metaphor for being exploited).

Looking at this line of text, Chen Yu shook his head and said, "Is the Hehuan Sect still a second-tier sect? How can they be so arrogant?"

"Those who get in through the normal entrance exam and whose looks are acceptable don't need to worry too much. The ones who are actually facing the fans are the streamers, and that industry does really rely on looks. Of course, luck is also quite important. Recently, there's a streamer named Miao Sanyi who's become very famous. He basically became a second-tier streamer by riding on your traffic."

"Miao Sanyi, are you talking about Miao Qingyu?"

"Yes, the 300 million value has become a meme, and you can often see related phrases used in various ways. The most popular meme now is 'Do you know how much money I have? I've taken out a loan of 300 million.' That inexplicable confidence combined with a 300 million debt is really hard to resist. By the way, besides the Hehuan Sect, there are brochures for other schools here. Of course, the brochures for the 72 universities in Baiyujing are not included, as they have their own admissions arrangements each year."

As Chen Yu was flipping through the brochures, a thought suddenly struck him, and he felt as if he had heard something very good.

"A loan... Teacher Zhao, I'm thinking..."

The teacher, who had just been all smiles, suddenly grabbed Chen Yu's shoulder and said seriously, "No, you don't want to."

"...I haven't finished speaking yet!"

"But I can guess what you're up to. You just want to sell loans, right? Listen, Chen Yu, I don't know what you've been exposed to in the Upper Realm, but never touch loans. It's a quick way to make money, and once you promote it, the money will flow in like a bloodbath. But once you get involved with loans, you're finished, you know? You'll want to sell more and more loans, and you'll hire people to help you package that stuff. The reason I didn't want to obtain the Foundation Establishment Seed was because that Star Lord was also corrupted and wanted to get involved in loans. I would never tolerate that."

"Even interest-free loans aren't possible?"

"No loans whatsoever! Wait, what kind of loans?"

"Interest-free loans are loans where you get the money directly without paying interest. You don't have to repay the loan during your university years; you can repay it after you graduate and work for a certain number of years. We'll start by promoting it among students, and then I think we can promote it to projects in the medical and construction sectors. Tianyuan's liquidity is still too poor right now, and I think this method is feasible."

Afterwards, Chen Yu thought about it seriously and found that this method was indeed feasible.

I have more money than I can spend, but because I live in Tianyuan, I can't go out to spend it, so there's nothing I can do.

Many students have ways to spend money outside, but they don't have money, so they have no other options.

However, as long as I get an interest-free loan, I can spend money, and you can spend money too, and all the problems can be solved.

I can't believe I only just thought of such a great idea now; I'm really a bit slow.

Teacher Zhao frowned, wondering how the words "interest-free" and "loan" could be combined.
"Interest-free" corresponds to deposits, while "high amount" corresponds to loans. These are two completely opposite terms, so how can they be combined like this?

After thinking for a long time, Teacher Zhao shook his head and said, "I've never heard of this kind of loan."

"Then let's make one right away!" Chen Yu said excitedly. "If others aren't doing it, we will. This is a great opportunity to seize the market!"

"But the loan... is interest-free..."

Rubbing his temples, Teacher Zhao felt increasingly confused.

Is this part of the plan?
　Sorry, it's late.

　　I'll be going back to my hometown on Saturday and Sunday, so updates might be a bit inconsistent, but I'll definitely make sure to post at least five updates a day. I'll try my best to make up for any missed updates later. I apologize again.

　　
　
(End of this chapter)