Xuantian's Life on Credit: Starting with Scraping by in the Countryside

After working overtime all night, 21st-century office drone Zhou Tianyuan drops dead and is reborn in the Xuantian Continent as a lone man in a demon village. He nearly becomes demon food the moment he arrives, and survives only because a cultivator saves him.

For three years, he scrapes by digging wild vegetables, until he stumbles upon a hidden truth in a mass grave: he is the reincarnation of a core branch of the World Tree. His five-element spirit root isn’t good-for-nothing, and he unlocks the ability to “borrow life”: he can borrow years from his lifespan to learn techniques, and repay the debt by changing other people’s fates.

Now he has only 19 years left to live. The demon village’s barrier is about to break, and a demon tide is coming. Clutching the basic techniques he borrowed, Zhou Tianyuan packs provisions, straps on a rusty sword, and heads for the Xuanji Sect. He must use his borrowed cultivation to pass the trials, pose as a “genius” to enter the immortal sect, find people blessed with great fortune to repay his debt, and uncover the truth of his reincarnation. After all, having traded his lifespan for a path to immortality, he has no way back.