Struggling With Student Loans, I Have No Choice But to Moonlight as a Magical Girl
Chapter 1

How to Transform into a Magical Girl, Who Taught You That?

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Xingfuli Apartment, Room 703, Su Bai's room.

Sweat slid down the teenager's sharply chiseled jaw, hitting the worn-out floorboards and blooming into a small, dark smudge.

He was shirtless, his muscle lines firm and smooth, expressionless as he single-handedly lifted a dumbbell that was far too heavy for someone his age.

Eighty kilograms.

The veins on his arm bulged slightly, and every lift and lower was controlled with extreme stability, his breathing long and steady, without a trace of disorder.

This was his routine daily training, unwavering after finishing a day of food-delivery side gigs.

In this era where monsters ran rampant and extraordinary individuals were regarded as hope, strength, and the money that strength could buy, were the only absolute truths.

"Bang! Bang! Bang!"

The rough pounding on the door shattered the room's tranquility.

"Bro! Open up! I have momentous news to announce!"

Su Bai ignored her, switched hands, and continued.

The lock gave a click, obviously opened by the spare key.

The door was violently shoved open, and a fiery figure rushed in.

"Su Bai! Did you hear what I said!"

Su Bai stopped moving, picked up the towel draped over the chair back to wipe his sweat, and only then turned around impatiently.

His younger sister, Su Xiaoxiao, stood in the doorway with her hands on her hips.

The girl wore two unruly pigtails and the Xinghai City No. 1 High School uniform, but with a bulky old jacket thrown over the outside, and an artisanal-looking star-shaped hairpin clipped in her hair.

She had run over in a flurry, barefoot with small, fair feet, ten toenails painted with cheap yet glittering pink nail polish, which curled slightly from the owner's excitement.

At this moment, Su Xiaoxiao's face carried an unprecedented solemnity and sacredness, as if she were about to proclaim an imperial edict that would change the world's landscape.

"Hajige! No, Comrade Su Bai." She cleared her throat, her expression serious to the point of being comical, "Just last night, I felt the call from the Will of the World. I, Su Xiaoxiao, have been chosen!"

Su Xiaoxiao took a deep breath, loudly announcing in an aria-like tone, "I am about to awaken and become a legendary Magical Girl, using love and justice to save this Xinghai City shrouded in the shadow of monsters!"

The room plunged into a brief silence.

Su Bai drank a glass of ice water, suppressing the heat that had risen from his high-intensity workout, but unable to suppress the eye-roll churning in his heart.

"Finished?" he retorted blandly.

"Hajige! What kind of reaction is that!" Su Xiaoxiao discontentedly stomped her foot, "This is a matter concerning the survival of the world!"

Su Bai sneered and finally spoke, his pace steady, yet every word piercing the heart.

"In the first year of high school, you swore up and down that you transmigrated into a book, that you were an exiled shadow princess of some ancient blood clan, and that to maintain your form in the mortal world, you needed to suck my blood every month, prettily calling it 'paying rent'. And the result? You cheated me out of three hundred bucks of living expenses to buy a Blood Clan Codex with illustrations."

Su Xiaoxiao's cheeks flushed slightly.

Su Bai didn't stop, continuing to tick off her offenses: "In the second year of high school, you told me again that you were a Savior reborn from the apocalypse, and to cope with future crises, you had to stock up on supplies in advance. Then, you hid all the instant noodles in the house under your bed, and almost confiscated my game console as a 'strategic resource'."

"Th-that time was an accident!" Su Xiaoxiao's voice grew smaller.

"So," Su Bai walked up to her, puncturing her with every word, "what is this 'Magical Girl' for this time? Tickets to the newly opened comic convention in the west of the city? Or the new action figure of your idol, the Dark Dragon Pitch-Black Flame Envoy?"

Ruthlessly exposed, Su Xiaoxiao's cheeks turned bright red. She stiffened her neck and retorted, "Bro! This time is different! This time it's real! I have proof!"

Like offering a treasure, she pulled a notebook with a colorful cover from behind her, on which a few large characters were crookedly scrawled with crayons—Magical Girl's Ultimate Transformation Guide (Xiaoxiao's Personally Bestowed Edition).

"Look!" Su Xiaoxiao slapped the notebook down onto Su Bai's desk with a smack, flipping open to a page, "This is the transformation secret conveyed to me by the Will of the World! As long as you harbor the wish of purity and protection, combined with specific incantations and movements, you can transform into a Magical Girl!"

Su Bai glanced at it. Drawn on it were a few stick figures striking various postures of off-the-charts embarrassment, alongside equally CHUNIBYOU lines.

"Come on, Bro, I'll teach you!" Without taking no for an answer, Su Xiaoxiao grabbed Su Bai's arm and forcibly made him strike the first pose.

"First, the left hand raises over the head, pointing to the firmament, feeling the astral power in the universe!"

Su Bai was about to laugh out loud in anger.

"Then, the right hand draws a heart in front of the chest and chants the incantation."

Su Xiaoxiao demonstrated it herself first, her movements standard and emotions full, "In the name of love and peace, answer my summons, Star Contract! Magical Girl of Light—"

Su Bai perfunctorily gestured, his lips moving without making a sound.

"Bro, louder! Your heart must be sincere! Otherwise, the Will of the World won't hear you!"

Su Bai took a deep breath.

Whatever, what was the point of bickering with a CHUNIBYOU Hajimei.

Numbly following Su Xiaoxiao's instructions, he struck one embarrassing pose after another, muttering spells that could make one's toes curl enough to scrape out a three-bedroom apartment.

"Starshine, grant me the power to transform!"

"Moon prism power, transform!"

"Balala energy, shaluo shaluo, little fairy, Magical Girl transform all over!"

While chanting, Su Bai calculated in his heart.

This month's student loan repayment date was approaching, his younger sister's tuition for the next semester was still without a landing, and the landlord had brought up the rent issue again last month...

"Bro! Why are you zoning out again!"

Su Xiaoxiao's complaint interrupted Su Bai's thoughts.

He looked at the energetic younger sister in front of him, the vein at his temple twitching as he finally lost his patience.

"Su Xiaoxiao!" he said with a dark expression, shoving her away. "Did you finish your summer homework? Did you preview the practical combat drills for the new semester? Spending all day messing with useless nonsense, can that put food on the table?"

"Hajige! Why are you so boring! This is faith!"

"Your faith is just an excuse to borrow money for concert tickets." Su Bai coldly ended the conversation and pushed her out of his room. "Go do your homework right now, or there won't be any dinner for you."

The bedroom door was ruthlessly shut.

Su Xiaoxiao outside the door still refused to give up, patting the door and muttering, "Hmph, a mortal who doesn't understand romance. But... something seems wrong... Damn it, why didn't you say earlier that it's written only girls can become magical girls! Why did I look for my stinky man of a brother! I should go find my best friend instead! She'll definitely understand!"

Thinking of this, she seemed to unlock her inner potential, and her footsteps quickly faded into the distance.

"Bro! I'm heading out! Don't make dinner for me!"

The room finally returned to peace.

Su Bai sat wearily on the edge of the bed as his phone screen lit up, showing a text notification demanding student loan repayment.

He sighed and opened another app—the Demon Hunter Mutual Aid Alliance.

Just then, a low roar faintly drifted from the edge of the city. Immediately after, a bizarre purple-gold lightning bolt abruptly flashed across the cloudless clear sky outside the window.

That was the precursor to the arrival of a high-rank monster or the expansion of a dimensional rift.

Sure enough, the demon hunting app on his phone instantly popped up a red alert.

[Emergency Bounty: Traces of the F-rank monster 'Wanderer' discovered at the West District Abandoned Factory, threat level: low. Reward: one intact Abyssal Core, settlement price 50,000 Federal Coins.]

Fifty thousand.

Su Bai's pupils instantly locked onto this number.

As a student at Tianqiong University affiliated with the Monster Hunting Bureau, although he was still just a rookie who hadn't graduated yet, he still had the qualifications to register for hunting F-rank monsters.

A single F-rank Abyssal Core could resolve most of his urgent needs.

He unhesitatingly clicked [Accept Mission].

When he got up to prepare his equipment, his gaze landed on a corner of the desk. That was the "Transformation Guide" Su Xiaoxiao had dropped in her panic.

Su Bai casually flipped through it.

He lived in such a cruel world, craving power more than anyone else.

Day after day of physical training progressed so slowly it was despair-inspiring.

If...

What if this idealistic, unreasonable power truly existed?

Even if there was only a one-in-a-billion chance...

"Seed of Miracle..."

He muttered under his breath.

This transformation guide stated that the Seed of Miracle was the source of power, and besides that, it also stipulated that the incantation, pose, and magical girl code name must be unique, so he had to have a set of his own exclusive transformation...

Su Bai took a deep breath, a suspicious blush appearing on his face, then cleared his throat, stiffly raised his hand, and pointed his fingertip at the ceiling.

"If... the world is unjust..."

His voice was dry.

He cleared his throat, closed his eyes, and unable to care anymore, Su Bai grabbed into the void with his left hand, tilting his head up at a 45-degree angle.

"I am here... my will... answer me! Grant me the power to banish evil and punish wickedness!"

He struck that utterly foolish heart-shaped gesture.

"In my name, wield the dark night! Tear apart the illusion, descend upon this world!"

"Magical Girl—Ziwei—Transform!"

When the last word fell, the entire room plunged into a deathly stillness.

Nothing happened.

"Crazy."

Su Bai opened his eyes and laughed self-deprecatingly.

It really was...

Before the thought could even finish flashing, a purple-gold light a thousand times brighter than the lightning outside the window just moments ago violently erupted from within his body!

The dazzling light particles completely swallowed him, and he only felt his body grow light as an irresistible wave of warm energy surged through his entire being.

The light faded.

Su Bai found his field of vision suddenly raised by a notch, and his originally familiar room seemed to have become a bit smaller in his eyes.

He lowered his head.

What came into view was metal Magical Armor covered in a purple-golden hue, with elegant yet powerful lines, tightly wrapping a tall and slender, curvaceous body he had never seen before, with black silk fabric vaguely visible in critical areas.

His hands had also changed, becoming fair and slender, grasping a huge scythe taller than his entire person, the dark gold blade flashing with a heart-palpitating cold light.

A cascade of purple-golden long hair hung down like a waterfall, a few strands playfully falling before his eyes.

He tried to speak, and a cool yet slightly lazy, magnetic older-sister voice slipped from his throat.

"This... randomly written Magical Girl Transformation Guide... how can it actually transform?"

End of Chapter
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