Senior, don't be afraid, I'll protect you.

"What's wrong?"

After Wang Dachui returned, Yu Qiuyu asked curiously.

"It's nothing, just something between men."

Wang Dachui revealed a mysterious smile, then took Yu Qiuyu's hand and left the teaching building together.

Yang Junhao did not leave. He dared not ask Li Haoyang for money, fearing that the latter would discover that he had misappropriated class funds.

He owed 20,000 yuan, which was divided into twelve installments of 2,000 yuan each.

He still needs to borrow 1,000. Since his temporary credit limit has been used up, he only needs to borrow another 1,000. After paying back the 2,000, he can borrow again.

Then, the money for the rural work assignments will be available.

Thinking of this, Yang Junhao saw Luo Ye and Shen Qiao walk out of the classroom together. He stepped forward, called out to the two of them, and said, "Luo Ye, Shen Qiao."

The two turned around at the same time, and Luo Ye asked expressionlessly, "Is there something you need?"

Seeing Luo Ye's expression, Yang Junhao didn't know what to say for a moment.

To be honest, his initial intention was to curry favor with Luo Ye so that it would be easier to borrow money from him later.

After all, Luo Ye is a famous writer who can earn money on his own and is not short of money at all.

But rich people aren't fools. His deliberate attempts to get close were met with Luo Ye's instinctive distancing. To this day, his relationship with Luo Ye remains that of ordinary classmates.

But he had no other choice, so he had to bite the bullet and say, "Brother Luo, can you lend me a thousand yuan?"

"one thousand?"

Luo Ye frowned.

During my student days, a thousand was no small sum of money.

"What are you going to do?" Shen Qiao asked from the side.

Yang Junhao repeated the reasons he had just given Wang Dachui.

Upon hearing this reason, Luo Ye became somewhat skeptical.

He glanced at Yang Junhao's nervous look, and thought that they were classmates, and a thousand yuan was nothing to him, so he prepared to transfer the money to him.

Upon seeing this, Yang Junhao's expression visibly became excited.

But, the next moment.

Shen Qiao gently nudged Luo Ye, stopping him from moving.

Upon seeing this, a fleeting look of gloom crossed Yang Junhao's expression. He looked at Shen Qiao with a questioning expression.

"Yang Junhao, looking at your outfit, those two thousand AJ shoes, that eight hundred shirt, and those pants, they must cost at least three or four hundred."

Then, Shen Qiao continued, "Your family shouldn't be short of money, right? It's understandable that your parents had a fight and forgot to give you living expenses, but you can just go and ask them for it. If you ask them, do you think they'll refuse?"

"No."

Yang Junhao retorted, "You don't know my family situation, so what gives you the right to say that? Besides, Brother Luo is already prepared to lend it, so what right do you have to stop him?"

Hearing this, Shen Qiao smiled slightly and said, "My brother isn't short of money, but he earned it himself. Why would he easily lend it to others? Aren't your reasons for borrowing money full of holes? How long will this argument last? A month? Maybe you'll make up tomorrow, then you can ask for your money back."

The reason was made up to be true, and after Shen Qiao said that, Yang Junhao was even more at a loss for words.

Seeing his angry but speechless expression, Shen Qiao left with Luo Ye.

On the way, Luo Ye asked in surprise, "Male celebrity, is what you just said true? Is Yang Junhao lying to me?"

"Ah."

Shen Qiao glanced at Luo Ye, then smiled and said, "Brother Luo Ye, to be honest, I've done so many part-time jobs and met a lot of rich people."

"Nouveau riche have their own style, rich kids have their own style, and tycoons have their own style. After seeing so many, I can guess what kind of person someone is at a glance."

Upon hearing this, Luo Ye asked curiously, "Then what kind of temperament do you think Yang Junhao has?"

"upstart."

Shen Qiao said seriously, "Last semester, he gave me the impression of an ordinary person who suddenly received a large sum of money... But how could a student receive so much money?"

Upon hearing this, Luo Ye fell into deep thought and tentatively asked, "Did he embezzle the class funds?"

"Do not."

Shen Qiao said in a serious tone, "The class fund is only five thousand yuan, and our class spent quite a lot last year, leaving only about three thousand. This amount is not enough to make Yang Junhao turn out like that..."

"I guess it'll cost at least ten or twenty thousand."

After saying that, Shen Qiao continued, "And the way he's so anxiously borrowing money now, I'm almost certain he's fallen for online loans."

"Online lending?"

Luo Ye asked in confusion, "Is it that thing where you enter your phone number to get your credit limit?"

"how do you know?"

"I applied."

Luo Ye said expressionlessly, "I was a little curious, so I applied, and they gave me a credit line of eight thousand. I'm too lazy to use that little bit of money."

Shen Qiao: ...

"In short, the money he suddenly received before was probably from online loans, and now he's asking you for money because he needs to pay off those online loans."

"How do you know so much about male celebrities?" Luo Ye asked curiously.

Upon hearing this, he gave a rather helpless, bitter smile.

When Xiao Lei had her accident, he borrowed money everywhere, from all kinds of online lending platforms.

Later, after receiving help from Luo Ye, he never touched online loans again, and instead used the money he earned from working to pay them back little by little.

Online loans, because of their low barriers to entry, are actually not that far away.

Perhaps someone around you is using online loans, but they won't tell you, because it's not something you can talk about openly.

Using online loans wisely might help temporarily, but most people don't use them wisely and end up with nowhere to turn, ending up on a blacklist in their credit history.

Luo Ye sighed.

No wonder Yang Junhao deliberately tried to please him and Li Haoyang last semester.

Human nature should not be confined to appearances, and one should not place too much trust in people one does not know.

Shen Qiao was going to work part-time at the bookstore, while Luo Ye returned to his dormitory to prepare for his afternoon classes.

Shen Qiao went home to feed Xiao Lei lunch.

Since the afternoon classes weren't important, Shen Qiao skipped them to go to her part-time job.

Back in his dorm room, Luo Ye sat on a chair and scrolled through the confession wall at Jiangcheng University to see if there was anything interesting happening lately.

Although he has moved to the staff dormitory, he still often goes back to the dormitory to keep Wang Dachui company.

Meanwhile, the "Fairy Senior" seems to have become popular again on the forum.

Jiangcheng University has lost a cool and aloof campus beauty.

However, recently on campus forums, including the confession wall, many people have noticed that an icy goddess often appears in the Zhouye Bookstore across from the school.

Some freshmen went around asking what major this ice queen was in, but no one was willing to answer.