Cyberpunk Cultivation: From the Start, I Owe the Demon Queen Billions!

“Hey, student, want to hear about our latest education loan? It’s made just for outstanding students like you! Borrow 10,000, pay back 12,000, and you only need to pay 1,000 a month. Any part-time job on campus will cover it!” “Our offer is even better. Your first loan is interest-free for thirty days. All you have to do is put up a few spare organs as collateral...” “Learn about our agency’s latest cosmetic surgery loan! We offer a full-service package to transform you into a strong and sturdy cultivation expert. We can surgically implant a heavenly spiritual root of any attribute, turning even a good-for-nothing into a cultivation prodigy! Just 300,000, with monthly payments of only 1,500!” Lu Fan was dumbfounded. It was bad enough having to toil himself to the bone in his old world. How was he still caught in the rat race after starting his cultivation journey?