After transmigrating into the body of Lin Feifan, an outer disciple of the Tianyan Sect buried in debt, he unexpectedly unlocks his ancestral creditor, Pei Yuan, and discovers an extraordinary path to cultivation: borrowing money to fund his training. By borrowing resources to break through cultivation levels, his higher-level strength can wipe out lower-level debts. He builds his cultivation through loans, uses tournament prize money as collateral, recruits indebted Golden Core rogue cultivators, and gradually confronts the Deputy Sect Master, Sikong Yuan, and his corrupt schemes. After exposing the Sikong family's sacrificial conspiracy, Lin Feifan breaks through to the Deity Transformation realm, destroys the sect's evil forces, and establishes a fair lending alliance to reform the financial chaos plaguing the ten major sects. Ultimately, he ascends to the Immortal Realm, forging a unique path to immortality where owing money becomes a way to uphold justice throughout heaven and earth.