Eternal Loans, Starting as a Magical Girl

After Chen Xuan transmigrates to another world, he expects to defy fate and reach the pinnacle of success. Instead, he discovers that his new body has pitiful cultivation talent and an enormous debt he can never repay. He even applies to a girls' school, willing to do anything. With nowhere else to turn, he heads for the rooftop, intent on ending it all. Just then, a white cat appears before him, claiming it can grant him power. Her name is Kyubey. “Lost boy, is this the golden magic wand you dropped?” “Or this silver magic wand?” “Or this one, with all these signs of use...” After a chaotic tug-of-war, Chen Xuan finally manages to get his hands on the means to make his way in this world. “Hahaha! It really is true that heaven never seals off every escape!” “If I, Chen Xuan, had never been born, magic would have languished in darkness for eternity!” 【Beep beep beep, 】 【Extremely high compatibility detected between Host and soul】 【Second talent awakened: Shadow Lord】 Chen Xuan: ? Kyubey: ? “AAAAAAAH, damn you, heaven! I hate you!!”