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Chapter 4: School

Tick, tock. Tick, tock.

The sound of the clock echoed endlessly as Zhang Yu sat in the classroom, his face solemn, dutifully scribbling answers on the test paper in front of him.

But the paper felt infinite. No matter how much he wrote or how many blanks he filled, there was never an end in sight.

His desk drifted farther and farther away from his classmates. Soon, their silhouettes blurred and vanished, as if darkness were swallowing him inch by inch from behind.

Cold sweat broke out on his forehead. Panic welled up in his chest. His writing hand began to tremble and lose strength.

It wasn’t until he plunged, along with piles of textbooks and papers, into a bottomless void that Zhang Yu jolted awake in bed.

“Was that a dream?”

“Seems like fragments of Zhang Yu’s past.”

He rubbed his temples. Countless shards of the original Zhang Yu’s memories floated through his mind—chaotic and shifting.

While Zhang Yu now had full control of the body, the memories hadn’t completely fused. Many details required deliberate effort to recall.

Especially the memory of that bizarre ritual yesterday—just thinking about it made his head spin. He couldn’t remember a thing.

He glanced at his phone. It was only five in the morning. He thought about lying back down but found himself wide awake.

Like waking up at five for school had become ingrained in this body’s very instincts.

“Why do I feel guilty just thinking about going back to sleep?”

Zhang Yu sat up, suspecting this was the influence of the original’s habits.

Stomach growling, he stood and muttered to himself, “Forget it, might as well head to school. At least I can score a free meal.”

He remembered that Songyang High provided three meals a day, and his meal card had already been topped up this month.

With seventy thousand in soul-devouring debt and just over fifty yuan to his name, eating out wasn’t an option.

He left the stuffy apartment, squeezed through sewage-filled alleys, and boarded a crowded bus with the morning rush.

Wedged in among the sour tang of sweat and the greasy scent of leftover food, even with the air conditioner running, it felt like a joke. Zhang Yu imagined himself as a squashed takeout order, jostling his way toward the city center.

After ninety minutes and two transfers, soaked in sweat, he finally stepped off the bus.

Wiping his forehead, Zhang Yu thought, “Why am I even commuting?”

“Oh, right—because I couldn’t afford the dorms.”

Unlike the dingy outskirts he lived in, this area near the school was all skyscrapers, broad clean roads, and fresh air.

Men and women on the street wore sleek outfits and professional expressions—textbook urban elites.

After a slow walk, he finally arrived at the school gates. From afar, he could see the bold characters reading: “Songyang Advanced Immortal Arts High School.”

Displayed on the electronic billboard above the gate was a long list of names—the top ten scorers from all three grade levels from the previous month.

It was clear from this alone how much Songyang High valued academic performance.

If Zhang Yu had to sum it all up from memory, he’d say: At Songyang High, grades reign supreme. This was a world where everything revolved around scores.

Studying and testing were as natural as breathing here. Everyone discriminated based on academic ranking—without a shred of irony.

Oh, your scores are that low? No wonder you wait so long in the cafeteria line. With scores like that, you don’t deserve to sit with us. And of course, top scorers mocking slackers? That’s just campus spirit.

“This place is a GPA dictatorship. A straight-up hell for underachievers.”

Zhang Yu glanced at the screen—there it was: “Grade 10, Total Score Rank #10: Zhang Yu.”

He breathed a sigh of relief. “At least I’m one of the high scorers.”

“Even if the ranking’s a bit of a fluke for now… As long as no one exposes me, I can still live decently at school, right?”

The school cafeteria served breakfast, so Zhang Yu made his way there by memory.

He noticed something odd on the way in: though the cafeteria line was long, it was eerily quiet. Everyone queued in silence, collected their food without a word, and ate like gears meshing in a machine—each step clockwork precise.

Some even held books as they ate, cramming in study time between bites.

Finding a random seat, Zhang Yu had just taken a bite of his meat bun when someone sat down across from him.

A girl with jet-black hair and porcelain skin.

The name popped into his head immediately.

“Bai Zhenzhen.”

“To be exact—Grade 10’s top scorer, the queen of the academic food chain.”

As he watched her quietly sip porridge, Zhang Yu wondered, “Are we… friends?”

“Because we’re both in the top ten? Is this what they call the academic elite circle?”

Bai Zhenzhen had the kind of face that looked like she was silently angry, even when she wasn’t. Anything she said came out with a chilly distance, like she was holding the world at arm’s length.

Just by sitting there without saying a word, she made Zhang Yu wonder if she had a problem with him.

While he was lost in thought, digging through memories about their relationship, she suddenly spoke:

“Meet me at the little garden after breakfast. I’ll wait there.”

As she walked away, Zhang Yu’s eyes narrowed slightly, lost in thought.

Once he’d finished eating, he made his way to the small garden behind the school.

Located behind the dorms, it was a peaceful spot. And with most students heading to class, it was practically deserted.

Bai Zhenzhen stood by a flowerbed. As soon as she heard his footsteps, she turned and strode over.

“Dad!”

With a loud thud, she dropped to her knees and clung to Zhang Yu’s leg.

“The cafeteria was too crowded earlier. I didn’t want to say it there.”

“Can you lend me some money? My microloan’s almost a month overdue! I’m begging you…”

Zhang Yu cursed inwardly, “What kind of messed-up school is this? The top ten are all just broke posers living off loans?”

And then it all came back. Their connection wasn’t some academic alliance—it was because she was his upstream contact, the one who’d introduced him to microloans.

Let me formally reintroduce her: Bai Zhenzhen, Zhang Yu’s classmate and Grade 10’s number one, was also his loan plug. A loyal partner in debt and insider trading of platform borrowing tips.

Thinking about how that ice-cold poker face at breakfast had been hiding the mental math of how to ask for money, Zhang Yu could only shake his head.

“Let go already. I don’t have any money to lend.”

Bai Zhenzhen shook her head. “You’re only ranked tenth. You probably haven’t spent as much as me, right?”

Then, with a stiff and slightly embarrassed look, she added, “If you help me pay off the debt… I’ll do whatever you want.”

Zhang Yu’s eyes lit up. Staring at the usually frosty Bai Zhenzhen, whose cheeks now glowed pink, he had to admit—there was a unique charm to it.

He gave her a once-over and asked, “Anything?”

Bai Zhenzhen bit her lip and nodded. “Yeah.”

Zhang Yu: “Then… can I use you as collateral?”

Bai Zhenzhen immediately let go and glared at him. “Yuzi, seriously, you’re really broke?”

Zhang Yu pulled out his phone and showed her his balance and overdue notices.

She stood, dusted off her pants, and looked at him like he’d grown a second head. “You owe seventy grand? Even after college graduation, it’d take years to pay that back.”

“You’re only a high school freshman—how the hell did you rack up that much?”

Zhang Yu scratched his head. “I forgot… give me a minute to think.”

Comments 19

  1. Offline
    + 00 -
    Use you as collateral hahahaha
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  2. Online Offline
    + 00 -
    Zhang Yu the sugar daddy
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  3. Offline
    + 20 -
    This comment section is more entertaining than the novel, honestly. 🤣

    And that guy is clearly a lolcow. Bro is having conversations with himself and feels so smug about 'winning'😎
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  4. Offline
    + 180 -
    U know sometimes we humnas to relieve stress just rant just so we can feel a little better but the mothérfúckér below me....he rants as if he doesn't do it repeatedly he won't be able to live....just as breathing is necessary for us to live ranting is necessary for him to live ...I mean wtf bro just 4chps in and this mf must have ranted more than the word count of the chapters itself....and yes I myself am ranting just so to find relief....
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    1. Offline
      + 323 -
      We got Captain Keyboard Warrior here.

      Took me a while to decode whatever the hell you’re trying to say with your busted-ass English, but let me hit you with some reality:

      You’re on the same site, scrolling the exact same chapters, dropping your own mini-rant about someone else ranting. What makes you think you’re special?

      Projection’s a hell of a drug, my dude. You’re out here ranting about ranting because it helps you “find relief,” literally your own words, and you’re mad someone else is ranting in the exact comments section meant for this kind of stuff. You know you’re doing the same thing, but you still post it like it’s some mic drop moment. Holy shit, man.

      What exactly is your point here? You mad cuz you read a whole unhinged essay and realized the one who posted it was right? Or are you mad because someone does it better than you?
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    2. Offline
      + 20 -
      Seems like they don't got much to do with there life as well if they are searching on chapters of a book that they say is so horrible and that they dropped for comments talking bad about them.
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      1. Offline
        + 219 -
        So… you’re out here whining that “I don’t have a life” because I wrote a 2-or-3-minute comment on a mid webnovel, while you’re sitting here, reading my comment, stewing over it, and then writing your own toddler tantrum about it.

        How’s that math add up, champ? You literally logged in, found me, read the whole thing or half of it, let your last seven brain cells process it, and then typed an entire cope paragraph saying I must have no life for doing the exact thing you’re doing right now.

        Imagine trying to flex on someone for reading something they didn’t like and talking about it – on a site, in a comment section, specifically built for people to do exactly that – while doing the same thing about that person’s comment.

        Your entire argument folds in on itself like a wormhole of stupidity. Congrats, you played yourself. Good job.
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        1. Offline
          + 30 -
          Keep proving my point basement dweller. I'm not gonna waste my time typing out a essay or reading your's. Go cry somewhere else I'm not entertaining it. Especially when you lack reading comreprehension, proven by your reply to my comment and the whining in your's.
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          1. Offline
            + 210 -
            Keep proving my point basement dweller.

            Basement dweller? Bold talk coming from someone whose entire online personality is rage-responding to strangers on the internet.

            I'm not gonna waste my time typing out a essay or reading your's.

            Bro, you already wasted your time typing all of that. You’re a walking contradiction in sweatpants, way to go.

            especially when you lack reading comrepehension

            Jesus, you can’t even spell comprehension correctly. I pity whoever your English and essay reading teacher is.

            Stay mad, champ.
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            1. Offline
              + 20 -
              When is your wedding? Don't forget to invite all the commentators. We'll definitely come.
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  5. Offline
    + 720 -
    The f#ck did I just read?

    I want a full refund on the brain cells I sacrificed just trying to process this. We went from cultivation debt nightmarewish.com isekai transition high school loan shark romcom with the debt waifu on her knees in a flower garden – all in FOUR chapters.

    WHAT IS THIS TONE?? It gave me an aneurysm. It’s so aggressively “peak mid Isekai filler” it’s basically a live demo masterclass on how to self-sabotage a promising premise.

    And I genuinely can’t figure out if the author is trolling or if this is actually their vision of “tension”:
    • Zhang Yu: has anxiety dream
    • Zhang Yu: “Was that a dream? 😲.”
    • Zhang Yu: “Anyway, time for free school meal.”
    • Zhang Yu: “Bus stinks.”
    • Zhang Yu: “Heh, top 10 ranking.”
    • Ice Queen Class Rep shows up…
    • Immediately drops to her knees and begs for debt help
    “Please senpai, I’ll do anything 🥺”
    • Zhang Yu: “Bet, you’re collateral now 🥴”

    ??????

    Bro.

    If Zhang Yu 2.0 is this chill about indentured soul-debt slavery, why the hell should I care? You know what this feels like? It feels like watching a tax advisor read you your eviction notice in a Wendy’s parking lot: pathetic and sad, but also so boring it loops back to tragic.

    And the only message I’m getting from this is “debt bad.” Yeah, we know. We’ve known for FOUR CHAPTERS STRAIGHT. Literally nothing else happens. Even when Bai Zhenzhen shows up for her big moment, it’s literally just more debt. She drops to her knees, does her best “Please master!~” routine, and the tension instantly flatlines because it’s just more debt talk. The author has normalized debt to the point it’s now the most boring thing imaginable.

    And wasn’t Bai Zhenzhen supposed to be this cold-blooded GPA tyrant? Instead she's #1 student turned submissive speedrun. Girl called him “Dad!” like we’ve just walked into a DebtPlay JAV audition in broad daylight. Zhang Yu just turns into a discount loan shark, tries to pawn her off as collateral, and then they just both forget about it like a dead Discord meme.

    Zhang Yu at this point has less personality than the ragdoll from the rooftop. He’s sitting on 70 grand in soul-devouring debt and all he can muster up is mild cringe. I mean, a girl drops to her knees begging for cash and he cracks a horny collateral joke. WHERE IS HIS BRAIN? HIS PERSONALITY?

    That’s it. I’m out. I’d rather have debt collectors chase me in real life than read another chapter of this shit. 💀
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    1. Offline
      + 52 -
      Bro if u don't like it simply don't read it, you're raigebaiting yourself when you're reading it
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      1. Offline
        + 110 -
        Look, I am genuinely sorry the education system tagged out before teaching you how to process anything longer than a TikTok loop, but some of us actually use our brains when we read stories.

        Here’s a fun little fact: the whole point of reviewing something is to actually engage with what you read, not just shovel it down your mental garbage chute like a Roomba with brain damage and no taste buds.

        It’s called having a thought. It’s called critical thinking. It’s called literary analysis, and believe it or not, this is what people have been doing in media classes, book clubs, and professional critiques since forever. Nothing about it is ragebaiting.

        Your entire comment basically screams, “I’ve never thought about fiction harder than a tweet.” Which… yeah, that tracks.

        So here’s a life-changing pro tip: try learning how media literacy works. Try forming an opinion longer than a YouTube Short. You might discover there’s more to life than three-word Discord takes and emotional whiplash.

        Or don’t. Just know that your brain cell’s hanging on by a dental floss, and I’m rooting for it.
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      2. Offline
        + 19 -
        Okay, you’ll have to forgive me, but there’s just something absolutely hilarious about a dude like you with a green check badge next to their username and a “Visitors (VIP)” rank coming at me like I’m the one wasting my life writing reviews. Meanwhile, your entire digital legacy on this site is 1.4k brain-melting drive-by hot takes that read like they were typed mid-seizure.

        Like bro, you’ve got more comments on your profile than neurons in your skull. I’ve posted 37—38 after this—semi-coherent, questionably sober reviews that at least attempt to form a thought. You? You’ve been crop-dusting the forums since 2021 with 1,466 verbal farts, each one shorter and dumber than the last. A literary speedrun to the bottom of the barrel.

        You’re the final boss of bad takes. A man who thinks symbolism is accidental and subtext is a myth invented by nerds. Shame on you, honestly.
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    2. Offline
      + 10 -
      I've been seeing your comments, one thing that stands out to me is how you never pay attention to things and blame it on the novel or complain that nothing happens. Also are you dumb enough to think everything about a person can be known based on the surface level impression mc with fragmented memories has of the person.

      Think kind of writing with lame comparisons and flat humour that tries to imitate a clever sounding person is very much like chatgpt, so I have to doubt if you are even writing your own reviews.

      You do sometimes come close to giving a good critic but you seem to care more about sounding like a smartass than saying anything of substance, you don't seem to realize when people write things each word has a purpose beyond trying to sound clever.

      I'm not going to pretend I have a great taste or anything, but if you are going to do that atleast trying to say something meaningful, saying something genuine even if it's simple is better than this kind of phony papperthin critic.
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      1. Offline
        + 14 -
        Saw your comment just now, one thing that stands out to me is realizing it’s been 3 months since I last commented here. Three months of absolute serenity. I haven’t really been on this site lately, but the one time I crawl back from hibernation, I’m greeted by you frothing at the mouth over comments I barely remember making, writing a whole thinkpiece about “genuine substance” and talking about who’s allowed to sound clever like you’re the gatekeeper of Oxford Dictionary.

        Buddy, I spent half my time on this site drunk and the other half committed to whatever bit sounded funniest in the moment. I’m not losing sleep over this. I’ve had Amazon boxes with more emotional investment than your comment.

        And the cherry on top? You accusing me of ChatGPT while writing the most ChatGPT ass response I’ve ever seen. It’s like watching a mirror yell at another mirror for being too reflective. This might just be the new “your mom” joke – the universal panic button for when you can’t tell the difference between an actual person and a Reddit thread typed on a busted controller. But I digress.

        Anyway, Happy Halloween!
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  6. Online Offline
    + 11 -
    this is a great start
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  7. Offline
    + 10 -
    #panic#

    Chapter 4 is between chapter 1 and 2
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    1. Offline
      + 10 -
      Thanks! pepeg_4
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      only we