Federal Education Fund Loan

Li Qingying truly lived up to being a First-Order God. Even the slightest bit of wealth slipping through her fingers was enough to fill these students with motivation.

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, Li Qingying revealed a hint of pride.

"Prosperity involves many aspects, and the Federal Government has a standardized evaluation process for it.

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

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

"You are fundamentally right, but not entirely. Beyond that, biodiversity, the stability of the food chain, the Divine Kingdom's capacity for sustainable development, and even its cleanliness and aesthetic appeal are all included in the evaluation criteria."

Li Qingying smiled and continued, "Do not think the knowledge you learn at school is unimportant. If a rich second-generation heir only knows how to pile up resources, they may have a high starting point, but in the long run, their Divine Kingdom will become bloated and may even become impossible to sustain.

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 make the most of every resource."

Everyone listened even more attentively, as if they had grasped a sliver of hope.

What Li Qingying said was naturally true, but she had not mentioned the real key point. The most important thing in developing a Divine Kingdom was still resources.

No matter how well an ordinary person studied or how fully they utilized every resource, how could they possibly compare with those born with silver spoons in their mouths? The resources those people wasted alone could probably burst their Divine Kingdoms apart.

The class structure of this world had long since solidified. Climbing upward was harder than scaling the heavens.

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

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

Under Federation law, Federation citizens who had not awakened a Divine Kingdom and lacked independent capacity could not participate in the Federal Education Fund Loan program.

Li Qingying coughed, and her expression gradually turned solemn. "Loan companies outside generally charge annual interest rates above 50%, while Federal Education Fund Loans charge 0%. Interest will not begin accruing until you no longer have student status, and during that 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 last investment of their lives.

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

"As for the loan limit, it is determined by your awakening rating. An F-Rank Rating grants a limit of 300,000, an E-Rank Rating grants 1 million, a D-Rank Rating grants 2 million, and a C-Rank Rating grants 5 million."

"Teacher Li, this is unfair. The loan limits are so different. Wouldn't the top three already be decided?" someone below said anxiously.

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

After leaving those words behind, Li Qingying vanished instantly. She had likely returned to reality.

Zhang Pang nudged Yang Fan's shoulder. "A loan limit of 5 million, and no interest either. 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 says that one step ahead means every step ahead."

Even Zhang Pang, whose family circumstances were fairly good, was visibly 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. Raising believers also consumes quite a lot," Yang Fan said with a performative sigh.

Just then, he sensed someone appraising him.

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 froze at the sight. He was certain Yang Fan had seen him, yet he had suddenly run off.

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

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

"Five million is a lot, but Yang Fan's family is too poor. His parents cannot offer him much help. This is already his limit," Wang Zhenyu said flatly, as though Yang Fan did not matter at all.

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

"Cut the sarcasm. You may be a collateral branch of the Li Family, but after receiving a C-Rank Rating ten days ago, you got family investment. I'm afraid the combined Prosperity of everyone else's Divine Kingdoms in the class still cannot compare to yours alone." Wang Zhenyu rolled his eyes.

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

"Fuck you. A few days ago, when we were drinking at Heavenly Fragrance Haven, you bragged about it in front of more than a dozen people. And now you're pretending you forgot? Will you die if you don't show off? Have you been so pent-up from being a bookworm these past few years?" Wang Zhenyu spat, then exited the Virtual World without waiting for a response.

Li Shuhao stood where he was, his face somewhat red. After an embarrassed cough, he exited as well.

"It really is good to be connected to a major family. Show even a little potential and you can get investment."

"The Li Family and the Luo Family are the two biggest families in Yang County. Li Shuhao has successfully changed his fate. His strength is probably enough for him to transfer to Senior Year Class One now, isn't it?"

"Wang Zhenyu can't be underestimated either. A while ago, I saw his father applying for a loan. It looks like he wants to give him one final push before the College Entrance Exam."

Yang Fan had no idea what happened afterward, nor was he interested in the gossip among his classmates. He only wanted to process his loan as soon as possible, buy Resource Cards, and fill out 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 did you run off so fast? I wanted to ask why you didn't go to the gathering Li Shuhao organized a few days ago. That guy really has made it big. Back then, he ordered one for every brother in our group without even blinking. That show-off felt amazing."

"A gathering?"

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

"What about the girls?"

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

"Ahem, ahem, I didn't pay attention." Yang Fan said awkwardly.

"Back to business. Li Shuhao said he couldn't contact you, so through me, he wants to invite you to a meal," Zhang Pang said.

"Why does he want to invite me to a meal?" Yang Fan asked, looking puzzled.