Federal Education Fund Loan

Li Qingying truly lived up to being a First-Order God. Even a sliver of wealth leaking from between her fingernails was enough to fill these students with drive.

Every student sat ramrod straight, afraid of missing any important part of the lesson.

It was not because they loved learning, but because it concerned Faith Points.

Children from poor families grew up early.

Seeing how a single sentence had stirred the students' enthusiasm, a hint of pride appeared at the corner of Li Qingying's lips.

"Prosperity involves quite a few aspects. The Federal Government has a standardized evaluation process for it.

"It mainly considers the population and strength of believers, the value of all kinds of resources within the Divine Kingdom, including but not limited to land, spiritual plants, and non-believing creatures."

"Isn't that just whoever invests more having higher Prosperity?" a student below retorted.

"You're not wrong in essence, but you're not entirely right either. Beyond that, biological diversity, the stability of the food chain, the Divine Kingdom's capacity for sustainable development, and even its internal cleanliness and beauty are all included in the evaluation standards."

Li Qingying continued with a smile, "Don't think the knowledge you learn in school is unimportant. If some rich second-generation heir only knows how to blindly pile up resources, they may start from a high point, but in the long run, their Divine Kingdom will become bloated and may even be unable to digest it.

"Developing a Divine Kingdom is a field of study. Resources are important, but for ordinary students like you, you must put even more effort into learning. Only then can you squeeze every last drop of value from every resource."

The others listened even more intently, as if they had seized a thread of survival.

What Li Qingying said was naturally true, but she had not mentioned the real crux of the matter. In truth, the most important thing in developing a Divine Kingdom was still resources.

No matter how well an ordinary person learned, no matter how perfectly they used every resource, how could they possibly compare to those who had grown up with golden keys in their mouths? The resources those people wasted could probably burst their Divine Kingdoms apart.

The classes in this world had long since solidified. Climbing upward was harder than scaling the heavens.

"Besides that, I have another piece of good news for you. I've applied to the Ministry of Education. Everyone in Class 7 has now been removed from the Minor Protection Law, and you are qualified to apply to the Ministry of Education for loans," Li Qingying said.

"A loan!" Yang Fan's eyes lit up as well.

According to Federation law, Federation citizens could not participate in the Federal Education Fund Loan before awakening their Divine Kingdoms and gaining independent capability.

Li Qingying coughed, and her expression gradually turned solemn. "Loan companies outside generally charge annual interest rates of more than 50%, while the Federal Education Fund Loan carries 0% interest. Interest will not begin until you are no longer students, and during this period, you do not even need to repay the principal.

"This is an investment the Federal Government gives to every student. For the vast majority of people, it may even be the final investment of their lives.

"This funding is extremely important. Remember to use it for the development of your own Divine Kingdom."

"As for the loan amount, it is determined according to your rating upon awakening. An F-Rank Rating grants 300,000, an E-Rank Rating grants 1 million, a D-Rank Rating grants 2 million, and a Class C Rating grants 5 million."

"Teacher Li, this isn't fair. The gap between loan amounts is so huge. Doesn't that mean the top three are already set in stone?" someone below protested anxiously.

"There has never been absolute fairness in this world. Instead of wasting time complaining, think more about how to develop your Divine Kingdom with limited resources. The assessment begins in ten days. Make your preparations."

Having left those words behind, Li Qingying's figure vanished in an instant. She had likely returned to reality.

Zhang Pang nudged Yang Fan's shoulder. "A loan limit of 5 million, and no interest. There are still four years until university graduation—make any random investment, and it could double. How is that any different from being handed money for free? No wonder my dad always says, one step ahead means every step ahead."

Even Zhang Pang, whose family circumstances were fairly good, looked moved at this moment.

Five million Faith Points were enough to buy up his father's entire grain storehouse.

"This money can't all be used for investments. The consumption needed to cultivate believers is no small matter either," Yang Fan sighed in a pretentious manner.

Just then, he sensed a scrutinizing gaze.

It was Li Shuhao. He was looking at Yang Fan and slowly rose to his feet.

Seeing Li Shuhao preparing to walk over, Yang Fan hurriedly exited the Virtual World.

Li Shuhao was stunned as well. He was certain Yang Fan had seen him, yet Yang Fan had suddenly run off.

"Li Shuhao, I won't lose to you in this internal assessment," Wang Zhenyu said as he stood up beside him.

"So confident? And have you forgotten someone? Yang Fan in our class also received a C-Rank Rating."

"Five million is indeed a lot, but Yang Fan's family circumstances are too poor. His parents can't provide him with much help. This is already his upper limit," Wang Zhenyu said flatly, as if Yang Fan did not deserve his notice at all.

"My family circumstances are average too, unlike you, with such a good father and ten cargo transfer points in Tomorrow Residential Community," Li Shuhao said with a sigh.

"Quit being so sarcastic. You may be from a collateral branch of the Li Family, but after receiving a C-Rank Rating ten days ago, you got an investment from the Lineage. I'm afraid the combined Prosperity of everyone's Divine Kingdoms in the class right now still can't compare to yours alone, can it?" Wang Zhenyu rolled his eyes.

"How did you know such a top-secret matter?" Li Shuhao asked in shock.

"Fuck your egg. A few days ago, we were drinking at Heavenly Fragrance Haven, and you bragged about it in front of more than a dozen people. Now you're pretending you forgot? Will you die if you don't show off? Have all these years as a bookworm left you pent up?" Wang Zhenyu spat, then exited the Virtual World without waiting for the other man to react.

Li Shuhao stood there, his face slightly red. After an embarrassed cough, he exited as well.

"It really is nice to have ties to a great family. With even a little potential, you can get an investment."

"The Li Family and the Luo Family are Yang County's two largest families. Li Shuhao has successfully changed his fate. With his current strength, he can probably transfer to Senior Year Class One already, right?"

"Wang Zhenyu can't be underestimated either. Some time ago, I saw his dad handling a loan. Looks like he wants to give him a final push before the College Entrance Exam."

Yang Fan had no idea what happened afterward, nor was he interested in his classmates' gossip. He only wanted to process his loan as quickly as possible, buy Resource Cards, and enrich his Divine Kingdom.

Yang Fan had just opened his wristwatch when he saw a voice call from Zhang Pang.

After answering, Zhang Pang's boisterous voice came through. "Brother Yang, why'd you run off so fast? I was going to ask why you didn't attend the gathering Li Shuhao organized a few days ago. That kid's really struck it rich. He ordered one for every one of us brothers, without even blinking. That show-off act was so damn satisfying."

"A gathering?"

"You didn't read the group messages? All the boys from Senior Year Class 7 could attend."

"What about the girls?"

"You really don't read messages. We went to Heavenly Fragrance Haven. Why would we bring female classmates? They don't have male models there."

"Cough, cough, cough. I didn't notice it," Yang Fan said awkwardly.

"Back to business. Li Shuhao said he couldn't get in touch with you, so through me, he wants to treat you to a meal," Zhang Pang said.

"Why does he want to treat me to a meal?" Yang Fan asked, his face full of confusion.