Why Grind? I Took Out a Loan for Hogwarts

Transported into the world of Harry Potter, Lucien awakens the Loan Magic System. With a flick of his wrist, he can claim rewards in advance!

Of course, debts must be repaid.

Thus, the students of Hogwarts witness a new student who is not only better than them but also more of a grinder.

[Congratulations, Host, for obtaining "Loki's Faceless." Please repay the loan: Perfect mastery of Transfiguration.]

Dumbledore: "He lacks neither talent nor effort. Could Lucien be the future of the wizarding world? But the prophecy..."

[Congratulations, Host, for obtaining "The Complete Dark Arts." Please repay the loan: Voldemort's head.]

Voldemort: "What do you mean you owe a debt and need to borrow my head?"

[Congratulations, Host, for obtaining "Resurrection Potion Formula." Please repay the loan: Create fifty new potions.]

Snape: "..."