As the school was closed today, Hyoro and Jaga barged in as soon as they returned to the dormitory.
“Well, this is a very disturbing incident. The head librarian was killed.”
“Right? Maybe it was really the work of that organization.”
“I have a feeling it’s not a laughing matter anymore.”
“Everyone seemed very serious.”
Hyoro and Jaga were drinking Mitsugoshi’s finest coffee and relaxing.
It’s in my room.
“Shouldn’t you be doing special assignments?”
I said, putting pressure on them to go home early.
“We can do it later. We have plenty of time now that the school is closed.”
“That’s right. Once we get so caught up in our assignments that we can’t chew on the little moments of happiness, that’s the end of us.”
The two of them sip their coffee.
“But why are you coming to my room?”
“Sid’s room has the finest coffee made by Mitsugoshi.”
“And you also have some of the finest sweets made by Mitsugoshi.”
Jaga goes through a drawer and opens a package of chocolates.
“Those are mine”
“It’s okay. We are friends, right?”
“Besides, in all honesty, how could you buy this with your allowance?”
“I’ve been thinking something was wrong for a long time.”
Suddenly Hyoro and Jaga turned around with serious faces.
The Mitsugoshi high-end coffee costs more than 2,000 zeny per cup. It is strange that it is always available in my room, being a poor aristocrat.
Gamma just sent me a lot of it.
“Sid, you. You’re in debt, aren’t you?”
“If that’s the case, please tell me so as soon as possible.”
“Eh, no, no, no. What debt are you talking about?”
“This one, this one, the flyer I found in your room.”
Hyoro showed me a flyer.
“Mitsugoshi Bank’s new service, Mitsugoshi Revolving Payments. Please tell me you have the best debt like this.”
“Mi-Mitsugoshi Revolving Payments ……?”
I read the flier with a bad feeling, and there it described a service that looked just like the revolving repayment service of my previous life.
I remember I told Gamma about revolving payments.
“C-Could it be that Hyoro and Jaga borrowed it?”
“Of course. I borrowed two million zeny right away.”
“I borrowed one million zeny. This is great to have a fixed monthly repayment of 20,000 zeny!”
It’s over, I thought.
“What’s the matter, Sid? You look like you’ve seen something.”
“What was the interest rate on the Mitsugoshi Revolving Payments?”
“The interest rate was 2% per month, I think.”
“The annual interest rate is 24%. It is cheap among the moneylenders in King’s Landing.”
I looked at him with a distant look.
” You borrowed one million zeny and repaid 20,000 zeny every month, and the interest rate is definitely 24% per annum, right?”
“Yes, but what’s wrong?”
“Have you calculated when the repayment will be completed?”
The annual interest rate on a million zeny is 24%, so in one year you will have 240,000 zeny in interest.
And since the repayment per month is 20,000 zeny, it is 240,000 zeny per year.
The interest for one year is 240,000 zeny, and the repayment per year is also 240,000 zeny.
In other words, they just keep paying interest, and the repayment will never end.
“Come on, isn’t it about five years?”
“Don’t bother doing the math. You only have to pay back 20,000 zeny every month.”
“Mitsugoshi Company is really generous to save us the trouble of doing the calculations.”
“……… I think the amount of repayment might be a little bit higher.”
“What are you talking about? Mitsugoshi said 20,000 zeny is fine, so there’s no need to bother paying more back.”
“That’s right. There are rumors that there are students who have borrowed 10 million zeny. If you are an aristocrat, even a student can borrow easily. If your family has some assets, you can borrow money.”
I looked up at the heavens.
“Now, let’s get started, shall we?”
“Now that we have borrowed money, you know the rest.”
With that, the two men pulled out a deck of cards.
“…. poker, huh?”
“What, are you freaking out?”
“We’re not going to let you win and run. We’ve got plenty of money in the bank.”
I let out a deep breath.
“—Double down on it.”
I piled a wad of cash high on the table.