Cultivation of Immortality Starts from Refusing a Loan

Traveling to the modern world where everyone is cultivating immortality, Lu Zhao thought he could live a happy and immortal life. But I found that this fairy world was even more complicated—— "Mana" is the only hard currency, and "Lingchao Loan" is the sharp sword hanging above your head. Rich children use spiritual stones to pave the way, while poor students work hard for Ban Gui's magic power. With low qualifications and huge debts, Lu Zhao's path to immortality seems destined to be bleak, and he can only become a screw in the capital of immortality just like in his previous life. But a volume of "Book of Hearts" set him on a path that defied heaven by "not lending, not borrowing, and never asking for help from others." When the immortal giants use realm and magic power to measure the value of all living beings, Lu Zhao proved: True power never comes with a price tag.