Zack scratches his head as he stares at the emails on the computer that Celeste allows him to borrow. His eyes scan through dozens of rejection emails, each one a punch to his gut. He rubs his temples, trying to ease the tension building up.
He glances at his tattered leather wallet and takes another heavy sigh. His phone lights up and he reads the message from Trina. It is the amount of tuition he needs to pay and how to pay it. And now, his situation presses him down further, making it hard to breathe.
Feeling defeated, Zack continues to search for job posts, his desperation creeping in. Finally, he comes across an advertisement for an online loan facility. He hesitates for a moment, but then clicks on the link. Maybe this is his last chance to make enough money to pay his tuition and survive until Celeste arrives and he can look for a new job.
“Hello, Borrower,” a flashing marquee greets him as the website loads. “We’re here to help you with all your financial needs. What can we do for you today?”
Zack takes a deep breath and begins to type out his plea for a loan, hoping against hope that this will be the solution to his problems.
And so, he fills out the virtual forms with a haste born from desperation. He skims over the terms and conditions that hint at a disadvantageous situation against the borrower. However, he can risk it, if it means that he can provide for his sisters, and not to beg Celeste for help again.
“Damn it,” he mutters under his breath, the cursor hovering over the ‘Agree and Sign’ button.
He knows the loan can potentially put him in a worse situation than he already is. But he can’t afford to think about that now. All he needs to think about is how to provide for his sisters and survive until Celeste comes back.
Closing his eyes, he takes a deep breath and clicks the button. The contract is signed, sealed, and delivered to the loan agency. He immediately receives a confirmation email stating that the funds will be transferred to his account within three business days.
Zack sighs in relief, feeling a weight lifted off his shoulders for the first time since Celeste left. He spends the next couple of days anxiously checking his bank account every few hours, waiting for the loan amount to arrive.
Finally, on the third day, he receives a notification that the money has arrived in his account. Without wasting any time, Zack transfers the full amount to Trina’s tuition fees and then heads straight to the grocery store. He carefully counts each item as he places them in his cart, making sure to stay within budget. It’s not much, but it’s enough to last him until Celeste returns.
As he’s paying for the groceries at the cashier, Zack can’t help but feel a sense of satisfaction knowing that he’s able to provide for his sisters without having to ask for Celeste’s help.
Returning to the apartment, he unpacks the groceries, lining them neatly in Celeste’s refrigerator — lettuce, tomatoes, bread, and eggs. He can feel a small swelling of pride in his chest.
As he places the last carton of milk on the shelf and closes the refrigerator door, he pauses for a moment to let the cool draft wash over him.
After a while, Zack sits in front of the laptop, scrolling through job postings once again. He’s determined to find a steady source of income to support himself and his sisters.
“Come on, come on,” he mutters, clicking on each post that catches his eye.
Suddenly, a message pops up from an ex-classmate. “Hey man, heard you’re looking for a job. My company is hiring. Wanna apply?”
Zack’s heart races as he quickly responds, “Yes! What’s the company?”
“It’s a packaging and shipping company,” the message reads. “I can refer you. Just send me your resume.”
Without hesitation, Zack updates his resume and sends it over to his friend.
Just as he’s about to close his laptop and head out to run some errands, he receives another email the same company. They want him to come in for an interview the next day. Excitement runs through him as he starts planning what he’ll wear and how he’ll impress the interviewer.
The next day, Zack arrives at Swift Pack ten minutes early. As soon as he steps inside the office building, he takes a deep breath. He enters the conference room where the interview will take place. The interviewer introduces himself as Mr. John and asks Zack about his previous work experience.
“I’ve worked in packaging and shipping before,” Zack answers confidently. “I’m familiar with handling fragile items and I have good attention to detail.”
Mr. John nods approvingly before moving on to ask about how well Zack works under pressure.
“I’ve had my fair share of stressful situations,” Zack replies with a small smile. “But I always manage to get things done efficiently.”
After what feels like hours of answering questions and going through scenarios, Mr. John stands up and extends his hand. “Thank you for coming in today, Zack.”
“Thank you as well. When will I be able to know the result?”
“I will send you a message in a few days.”
************Zack’s heart sinks as he watches the numbers on his bank account decrease rapidly. The grocery expenses and his job search have taken a toll on his loaned amount, and he can feel a knot forming in his stomach. How is he going to pay back his loan now?
He tries to push away his worries as he makes dinner for himself. Maybe he can ask for an update from his friend now? To see if he passed the interview last time?
He takes out his phone and messages his friend, hoping for some good news. But then, his heart sinks as he reads his message.
“Sorry man. They told me that they can’t hire you due to the robbery at your previous workplace.”
Robbery? It’s not like it is his fault. He was so close to getting a job and now it feels like another door has been slammed shut?!
“What am I going to do now?” he whispers to himself.
Frustrated, he slams the laptop shut and sinks back into the chair. He rakes a hand through his hair, feeling the pressure of his financial situation. It’s like a knife against his neck, very ready to draw blood from him.
With a heavy sigh, he pulls out his phone and begins to call every contact he has saved before, desperate for any job leads. But each call ends in disappointment, as they all tell him that there are no openings at the moment.
He then checks his bank account again. Panic sets in as he realizes that the first payment for his loan is due in a few days, and he has no way of paying it off. Defeated, he walks back onto his bed and lies on it, wondering how he will ever make it out of this financial hole.

Latest Chapter
Chapter 032
Then Zack notices something else as well. At the man’s head, there are small horns protruding from his forehead. No, not just any horns. They are black and twisted and seem to pulse with an otherworldly energy.And so he grips his katana tighter, trying to steady his trembling hands. He knows that this will not be an easy fight, but he also knows that he cannot back down either.“What are you?” Zack manages to ask, his voice shaking slightly.The dark mage chuckles. “I am a human and a dark mage,” he declares proudly. “I think you know that by now, given how you are looking at me.”“Then… how are you affiliated with the loan agency?!”“Ah, that? Well, I get my fresh supplies of humans to experiment on from them.”“What kind of experiments?” Zack demands, his grip on his katana tightening even more.The dark mage chuckles, a sinister gleam in his eyes.
Chapter 031
Zack takes a deep breath and tries to calm his nerves. He knows he’s no match for this level 32 woman, but he refuses to back down. He grips his katana tightly and prepares for the fight ahead.The woman rushes towards him with surprising speed, her fists clenched and ready to strike. Zack quickly evades her punches and tries to strike back with his katana, but she dodges effortlessly.“You’ll have to do better than that,” she taunts, her voice filled with confidence.Zack grits his teeth and tries to think of a strategy. He knows that he can’t rely on brute force alone, so he decides to use some of his skills. He concentrates and activates his Power Strike. But she easily deflects it with a flick of her knife.“Not bad,” she comments as she continues to dodge Zack’s attacks. “But you still need more.”Zack’s frustration builds within him as he realizes that none of his skills are wo
Chapter 030
Zack takes out the katana from his weapon storage. Holding the weapon in his right hand, he pushes open the door with his left.In the middle of the room, a man stands before him who is eyeing him warily. “An attack, huh?”Zack places the katana in front of him. “It might be,” he answers.“But why is there only a single person? Are you crazy?”“The others asked the same earlier.”“This place. Is this your doing, too?”“No,” he admits.“You have a weapon. Do you know how to use that?”“We’ll find out.”Zack keeps his guard up as the man suddenly lunges at him with his bare hands. He swiftly dodges the attack and counters with a slice from his katana.The man stumbles back, surprised by Zack. “Ugh, where are my gun and knife, anyway?” he mutters to himself.The man attacks again, but Zack is faste
Chapter 029
Zack steps inside. The place behind the fourth door is dark and musty, with only a small beam of light shining through a crack in the ceiling. In front of him is an old man who seems lost and is looking around.The instant Zack enters, he looks at him.“A young man,” he remarks. “Care to tell me where I am and who you are?”“I am sent to destroy a loan shark agency,” he admits.“Oh,” the old man says, looking up at him. “So, you’re here to defeat me.”“You?”“Are you hesitating because of my age?”Zack swallows. He doesn’t want a repeat of the zombie dungeon. He doesn’t enjoy hurting the elders.While he is hesitating, the old man takes his stance and prepares for battle.“I really—”Suddenly, the old man moves surprisingly fast for someone his age. He launches punches and kicks towards Zack. Thankfully, he has a Quick Dodge, and he is able to evade each surprise attack.“You’re good,” the old man comments as they circle each other. “But can you keep up?”Their movements become faster
Chapter 028
Zack opens the Zenith system interface. He presses on the Level Up? text and sees that he only gained one level from completing the first floor. He also only earned eight chests and a hundred thousand zeniths. It feels weird. This is a loan agency, and he is earning fewer zeniths than the zombie dungeon? So, he proceeds to open the items instead, hoping that there are some good items in there. However, there are only four health potions, one ability point, and the rest are zeniths. Disappointed, he stands up. He searches for the staircase and ascends it. He pushes the door open and is met with a line of goons on the second floor. Zack swallows hard. Unlike the goons on the first floor. These people are tall and very muscular. They look as if every single one of them is a VIP bodyguard. He won’t even be surprised if they are using guns. On the other hand, he has the same strength as the first floor. He hasn’t moved his available skill points into his stats yet. Hopefully, they only
Chapter 027
The sun is setting as Zack goes back and forth across the same street where he chances upon the zombie dungeon. However, nothing is changing. It has the same atmosphere, the same clean looking building, and the same living people. No zombie dungeon is opening up! Disappointment washes over him. He prioritizes increasing his Luck attribute all because of this particular problem. His health is at 200/200 and he feels more than ready for a mission, and yet, it is not appearing! He looks at the time. It is close to six PM. He still has time. So, he explores the area again, looking for any clues or signs on how to enter that dungeon. As he walks down the busy street, Zack’s ears pick up on a loud argument coming from an alleyway between two buildings. Curious, he turns the corner to investigate. A group of men have another man backed against a wall, their voices filled with malice. One of the men spots him and sneers, “Beat it, kid.” Ignoring the warning, Zack steps forward and holds h
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