No Money to Cultivate Immortality? Novel

In a world where cultivating immortality requires cold, hard cash, Zhang Yu finds himself reincarnated into the body of a debt-ridden high-schooler. Spirit-root transplants, essential breathing techniques, and even opening one's first meridian are all subject to financial transactions and paywalls. With a grim thirty-day deadline before his flesh is forfeit to collectors, Zhang Yu is forced to monetize every moment. He livestreams underground fights, sells illicit talismans, and secures mid-combat sponsorships, all to afford the basic necessities of survival and progression. As Zhang Yu climbs the ranks from impoverished student to a celebrated "High-School Saint," he uncovers a dark reality: a system exploiting students through predatory fintech sects, deadly exam-hall duels, and an influencer economy fueled by broken dreams. The narrative highlights a twisted take on cultivation, where even magical power can be obtained through loans, as evidenced by an elder offering a young man "cultivation" from the Heavenly Court, which is essentially a mana loan with an interest-free period and low daily rates. Zhang Yu's desperate struggle for survival and advancement in this monetized immortal landscape is both hilariously and terrifyingly relatable to anyone who has experienced financial pressure or the thrill of a last-minute surge of power.