1 Chapter 1 : College Loan

College debts are widely known. The interest rates are quite high, and it focuses on lending to students. Failure to pass will have extremely negative repercussions, frequently resulting in family dissolution.

However, I have gone through a scarier campus loan. Because the other side had no intention of demanding payment from me at all; they only wanted my life...

I was a senior in high school when that occurred. As soon as I got back to class, Chang Yongjie, who sits across from me, urged me to borrow money. It will already be too late if you are late.

I was shocked to my core. He informed me that a wealthy individual was lending money in the class' We-chat group. He wasn't required to repay the cash he borrowed.

Naturally, I don't think it's true because it's just not feasible.

However, Chang Yongjie revealed to me that several students in the class had taken out loans from the We-chat wallet.

I tapped the We-chat group fast. Then I realised that Chang Yongjie had uttered those same words.

You may repay a loan from someone named Huang Quandai without having any money thanks to his promotion, which he made evident to everyone. I'm still not entirely convinced. After all, something like this is just not feasible.

So I tried to ask him for a 500 yuan loan. My We-Chat soon received a transfer for 500 yuan. I was now in utter disbelief. I never imagined that such a wonderful thing would take place.

"You just took a loan from him for $500; you're too cowardly." Exaggeratedly, Chang Yongjie stated.

I gave an odd smile and felt upbeat. The nearby students were engaged in lively conversation at this moment.

"How much money did you borrow?"

"I took out $8,000 in loans!"

Wow, that's a lot, and I only borrowed $5,000.

"Tell someone else what a blessing this is!"

Everyone was quite ecstatic. They could receive such a significant sum of money because they were all high school students. You may, of course, use it whatever you like. Later, other students borrowed money out of fear of losing, and eventually the entire class did.

This continued for a week, but nothing changed. Everyone was happy spending money at this time.

A week later, the entire classroom was boisterous during the nighttime self-study session. "Look at your phones, Huang quan Loan wants us to pay back the money!" someone suddenly yelled.

One by one, we all picked up our phones right away, and suddenly our faces completely altered.

Because it was Huang quandai who specifically requested that we pay back the debt. The entire classroom was now steaming.

"What's happening? You said you didn't have to pay it back, didn't you?

Yes, we were unexpectedly requested to return it once more. Oh, sh*t."

"I believed you to be a wealthy man, but you proved to be a liar," she said.

The pupils exchanged insults with one another since they felt duped.

"I said, you can choose to repay without money," Huang Quandai repeated. However, you must pay back with other resources.

Now when everyone was in a panic, Wang Wei even had a gloomy expression on his face and said, "Don't play word games with us, do you really think we are fools? We simply won't return the money.

"Yes, we won't make restitution. You were the one who lied to me first, obviously.

"You must return it. If not, I'll go look for you. said Huang Quandai.

Now we were all scared. Everyone did spend their money, after all. Simply put, it is impossible to repay the loan. But what will we do if he comes to us?

Then I shall pay with my life, all right. Come to me if you have the capability. Wang Wei expelled Huang Quandai from the We-Chat group after he mentioned that.

Since more than one individual had borrowed the money, no one took the situation seriously. though the entire class. No one is terrified because of the herd mentality.

Everyone was getting ready for physical education class in the afternoon.

Wang Wei yelled at this very time, grabbing our attention.

When we turned around, we saw Wang Wei fall to the ground and strike his head on a table corner. precisely at the temple. Blood continued to pour forth.

Wang Wei, are you all right? Fang Youling approached with caution.

Wang Wei did not respond, his eyes were uninteresting, and his upper body sagged to the floor. Eyes widen wide. His hand's palm is no longer moving.

It was placed on his nose's tip by Fang Youling after he trembled and extended his hand. She eventually fell to the ground and cried out in horror, "He's dead, he's dead."

Oh no! He's dead! Wang Wei is no more. Some of the nearby individuals shouted incoherently. The female who was sitting next to him passed out from fear. The child was equally astounded by the catastrophe he was witnessing. Everyone appeared startled, and several pupils took a while to respond.

"Make a police call right away! In a hurry, dial 911 for an ambulance.

Yes, anyone with a cell phone should contact the police right away. A boy prompted.

Soon after, the police arrived and removed Wang Wei's body.

After the forensic physician arrived, the investigation's findings became immediately apparent. This catastrophe was brought on by Wang Wei slipping after stepping on a glass ball.

But I don't know who the glass ball's owner is.

No one refuted the police's questions regarding the glass ball when they called each of us boys individually. Thus, afternoon classes were cancelled.

Everyone became frightened when someone passed away in the classroom.

Everyone was talking about the disaster when suddenly someone said, "Look at your cellphones, Huangquan Loan has reappeared."

Huang Quandai, who was meant to leave the group, was still talking when we quickly glanced at our phones:

"Wang Wei paid off my debt with his life. You will perish if you follow his example of being like him.

The pupils in the class exchanged terrified glances with one another.

I asked the group, "Did you kill Wang Wei?" after feeling my heart race when I spotted the phone.

"I did kill him, yes. He failed to return my money. I could not help but kill him. Then Huang Quandai continued, "Now it's your turn to repay the obligation. Yours." "If you don't pay back, I'll go locate him."

I don't know how many people were startled and perplexed by what they saw.

Huang Quandai then remarked, "Now that you know, I put that glass ball in."

Everyone realised this upon seeing it. All of them were terrified, and several females even yelled for the police to be called.

Huang Quandai continued, "I've run out of patience. Collect the money quickly. I'll kill you if you don't pay back the money.

Now that Huang Quandai was clearly a killer, everyone was shocked. He recently murdered Wang Wei, and now he returns to us!

How can I help? My money was long ago squandered.

"I absolutely cannot afford it, and mine is long gone."

If you can, pay it back right away; else, he'll come to us.

The squad leader yelled for silence just as everyone started to fear, and then he quickly announced to the gathering, "We agreed to give back the money. Don't come to us, please.

"All right, so this is your collective bill. Please make the necessary payment. Huang Quandai announced a lengthy bill after he was done speaking.

After reading it, I was astounded to see my name there. Actually, I owe sixteen thousand dollars!

At this point, other people were astounded to learn how much debt they had accrued.

There are still 200,000 people among them even though some have 80,000, some 100,000.

How is that even possible? Why am I in so much debt?

"I probably don't have that much money, even though I borrowed a lot of money."

"How am I able to spend so much? "

We don't owe you so much money, the squad commander yelled angrily to the group at this point. Do you have a mistake?"

"This is a college loan, and the interest is very high," Huang Quandai retorted. If you don't pay it back each day, the interest will keep rising. Additionally, a week has passed since you took out the loan.

This time, all of our faces—not just the squad leader's—changed.

Because it is so much money, we are unable to repay it. But what will happen if you don't pay it back? When they considered this, everyone shivered.

"How could this happen?" you ask. With a terrified expression, the girl next to me remarked. She was none other than Zi Ruoling, our class's most attractive student. I genuinely owe so much money, she remarked with a sad voice and a gorgeous face full of despair. What should I do? I have no way of repaying it.

"How much do you owe?" I asked as I turned to face her.

I owe 180,000 yuan, Zi Ruoling stated helplessly as she turned to face me.

I blinked. For high school kids, this figure is simply unfathomable.

We can't afford to pay back this money, the squad leader said to the guys at this point. I'm hoping you can cut it down.