The first thing I did when I was reborn was reject the $30,000 allowance my parents sent me and immediately take out a massive predatory loan. Why? Because in my past life, my roommate, Tiffany, was bound to a "System" that allowed her to swap finances with me. No matter how much money my family sent, my account balance always showed $300. Meanwhile, she used my money to become the campus "It Girl," dating the star quarterback, while spreading rumors that I was a bitter scholarship student she was generously supporting. When I angrily opened my bank app to prove my parents' transfers, I was shocked to find all the numbers had changed to $300. Tiffany, tears in her eyes, held up her phone: "Look, my parents send me $30,000 every month. I don't understand why Chloe refuses to face reality..." I was drowned in a tsunami of insults and cyberbullying. Every family member who tried to help me met with a tragic accident. My health deteriorated rapidly. In the end, the quarterback, trying to "avenge" Tiffany, had me dragged into the woods where I was tortured to death. When I opened my eyes again, I was back. This time, I want to see how long Tiffany can keep up her act with a massive debt on her back. Chapter 1 "Chloe Vance, you are disgusting. All those designer clothes, and it turns out you're just leeching off charity? Even Tiffany isn't this flashy." "Spending someone else's money like water? It's heinous. Only someone as kind as Tiffany would tolerate you. Anyone else would have kicked you out!" "Say something! Stop playing dead! Kneel and apologize to Tiffany right now, or don't blame us for getting rough!" Hearing the familiar curses ringing in my ears, I was dazed for a moment before realizing I had truly been reborn. I was back to the day Tiffany used her System to pose as a wealthy heiress, branding me as the poor student she supported. Seeing my silence, Tiffany stepped forward, speaking with sickening "empathy": "Chloe, you aren't going to say this money is from your parents, are you? Trying to claim you are the rich daughter? Why don't you show us your balance?" "Or, have your parents transfer you a few thousand right now. That would shut us all up." In my past life, I fell for it. I stared at the $300 balance in disbelief and frantically asked my parents for transfers. I was desperate to prove myself, but I only fueled her success, letting her harvest huge sums to cement her identity. And the money my parents sent turned into transfers of a few dollars the moment I held up my phone. Instantly, I became a pariah, condemned for vanity and selfishness, forcing my "poor" parents to bleed for me. While I pondered how to counter this System, Matt, the star quarterback who had been silent, suddenly spoke: "Chloe Vance, you're still stubborn? A vain, selfish person like you doesn't deserve Tiffany's help. Thinking about how you stalked me makes me sick!" He frowned in disgust, shoving me hard. This was the same guy who approached me during orientation, complimenting my necklace and asking where to buy one for his mom. Now, I was pushed to the ground, shoulder throbbing, while the crowd cheered for Matt. Tiffany, emboldened, bit her lip and looked at me with teary eyes, making no move to help me up: "Chloe, I never thought we'd come to this. As roommates, if you just admitted your mistake, I wouldn't hold a grudge. Why do you insist on lying..." "Did I say I was lying?" I gritted my teeth, standing up and forcing a smile. "I'm sorry, Heiress Tiffany. I was vain. I used the money you gave me to buy these things. As punishment, I'll donate them to charity immediately." "I hope you won't hold this against me and will continue to support me." The crowd, ready with more insults, choked on their words, looking at each other in confusion. Tiffany froze, eyes flickering: "Chloe, you don't have to... if you want to admit your mistake, maybe sell them first and then donate the cash? What if the charity damages them..." "It's fine. I trust professionals." If I sold them first, the money would just transfer to her, right? I turned around, my expression cold. I logged into a shady loan app and applied for a $100 loan. As expected, the money didn't hit my account. I refreshed the page. The borrower's name had changed to Tiffany! The System swapped everything, even the source of funds. I almost laughed out loud. Tiffany, your nightmare is here. Chapter 2 I took out predatory loans totaling $60,000 in one go. Then I called my parents, refusing any further allowance, and applied for off-campus housing. I would live off existing supplies. Despite this, my chest felt tight. The System's drain on my health was still real. At noon, walking out of the campus gates with my small bag, I saw Tiffany and Matt waiting by the road, followed by a crowd of sycophants. Seeing me, their faces twisted into sneers. "Chloe!" Tiffany shouted, running towards me with a look of joy: "What a coincidence! We were just talking about you. I thought, 'give a man a fish and you feed him for a day; teach a man to fish and you feed him for a lifetime.' I decided not to just give you money anymore, but help you find a job!" Money really works wonders. Tiffany was decked out in designer gear, her insecurity gone. She looked nothing like the girl who used to eat plain rice and potatoes. I wondered what dark magic she used to bind me to this System. She shoved a stack of flyers into my hand, looking at me earnestly: "These are high-paying jobs I picked for you. Once you earn money with your own hands and donate it, people won't hate you anymore." "I strained my eyes looking for these. I'm taking everyone to a five-star hotel for lunch. This time, it's your treat." I had never seen such brazenness. Taking my parents' money and making me work to support her further? The flyers were garbage. Some were even ads for selling eggs! Matt and the crowd walked over, sneering: "Chloe, why are you standing there? Some jobs need you to apply now. They won't wait." "Tiffany's parents just sent her another $60,000. That's enough for your parents to retire on, and you're just standing here?" I noticed a flashy Rolex on Matt's wrist, worth at least tens of thousands. Clearly a gift. I smirked. Tiffany was spending big to chase a guy. No wonder she was desperate for my money. "I think as a student, I should focus on studying," I smiled. "From now on, I'll live on $300 a month. Not a penny more. Feel free to supervise." I turned to leave, but someone grabbed my arm. "Is this the attitude a charity case takes with her benefactor?" Matt shook me off like I was trash: "Tiffany was kind enough to find you jobs. Why won't you go? Do you like being a parasite?!" His cold stare overlapped with the look he gave the people who murdered me in my past life. My breath hitched. He threw me to the ground and walked away with Tiffany. A realization hit me. Matt didn't treat me this way just to please Tiffany. He genuinely hated me. Chapter 3 It was a long time before my family's driver finally arrived in the Rolls-Royce. I was drenched in sweat. He parked leisurely, honking twice for me to come over. "Uncle Mike, why are you so late?" I was on the verge of heatstroke, my back soaked. He was clearly in a good mood, but hearing my complaint, he stiffened: "You know, you need to fix that princess attitude. I'm your driver, not your slave. I'm your elder, show some respect." "It was just a short wait. No other girl is as delicate as you. I wouldn't let my son date someone like you!" I looked at my phone, scrolling through my classmates' posts. [OMG, Matt's family is loaded! We rode in a Rolls-Royce! So this is the starlight headliner!] [So fancy! Next time I hope there's a Maybach!] [If we didn't waste time lecturing that shameless pauper, we would have been enjoying the AC sooner!] I froze. Wasn't that my car? I did a quick background check. Uncle Mike's son... was Matt! It all made sense. No wonder my attempts to prove my identity were always thwarted. There was a mole. And no wonder Matt wanted me dead. He and Tiffany were in this together! My hand slowly touched the necklace Matt had "borrowed" during orientation. It seemed that was when Tiffany, the poor student, suddenly became rich. I used a meal card and didn't check my balance often, giving her the opening. "Miss Chloe, what are you doing?" Uncle Mike slammed the brakes, looking at my hand in the rearview mirror with panic. "That's the coming-of-age gift from the Madam. You're not taking it off, are you?" His reaction confirmed everything. "Of course not. Just touching it." I laughed and closed my eyes. The driver let out a sigh of relief. Back at the villa, I immediately took off the necklace and called my dad to fire Uncle Mike for rudeness. After a meal prepared by our French chef, I lay in bed. Sure enough, without the necklace, the tightness in my chest vanished. It felt like a heavy stone had been lifted. Not wanting to alert them, I found a duplicate necklace in my jewelry box and put it on. Now, Tiffany, all you have left is that $60,000 debt. Chapter 4 In gym class that afternoon, everyone collapsed on the grass after the 800-meter run, faces red. I was sweating, out of breath. "Chloe!" Tiffany called out. She put on her heiress act, commanding me: "We're all tired. Go buy water for everyone. Just outside the gate. Hurry back." She calculated well. I had been to the infirmary three times recently; that $300 must be gone. If I didn't have money, I'd have to ask my parents. Then she could reap the rewards and the popularity. But now, free from the System, I wasn't playing. "Easy for you to say. There are eighty people here. Why don't you go?" Tiffany bit her lip, looking at me with feigned difficulty: "Chloe, I just want to give you a chance to make up with everyone. I sent you so much money, you couldn't have spent it all. Go buy water as a contribution to the group." Her eyes glinted. "If you really have no money, ask your parents. They have to support you." The overheated classmates chimed in angrily: "Tiffany treated us to a five-star lunch. Look how generous she is. Same room, different class. You only know how to take!" "Disobeying Miss Tiffany? You've got a death wish. Know your place!" "Poor and stingy. Is twenty bucks gonna kill you? My legs are breaking, go get me a Gatorade!" I looked at these greedy fence-sitters and sneered: "So righteous. You're tired, so I deserve to be your servant?" Rapid footsteps approached from behind. "Chloe Vance! You bitch!" Matt stormed over, furious about his father being fired but unable to confront me directly. Having hit me before with no consequences, he habitually tried to slap me. I dodged. "Yo, isn't this the rich heir with the Rolls-Royce? Trying to hit me? Did I offend you?" I asked innocently, setting the rhythm: "It's so hot, buying water isn't enough. Why don't you and Heiress Tiffany call a few luxury cars to take everyone for a drive?" The students got excited, clamoring for rides. The couple's faces turned ugly. I drawled: "What are you waiting for, Young Master Matt? Are you a fake rich kid like me?" This triggered Matt. He pointed at my nose and cursed: "Open your dog eyes! My shoes cost thousands! This watch is forty grand! My shirt is eight hundred! Who are you to question me? Your whole outfit isn't worth a hundred bucks! Am I right, guys?" The students were melting and didn't care about his bragging. They just urged: "Matt, call the cars! We didn't get enough at lunch." "Yeah, squeezing in one car wasn't fun. Plus we had to listen to you and Tiffany flirt. You owe us." "Tiffany, why don't you call?" Tiffany knew spending money on these ingrates was pointless. Their greed was endless. She wouldn't agree. "I... I feel dizzy. Heatstroke..." Tiffany stumbled, pretending to faint. Matt scooped her up and ran. I excused myself to the bathroom and followed them.
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