Han Zhengqing hesitated for a while before he came out of his room, a big boy with swollen eyes like peaches, his eyes were also red, and the tears in the corners of his eyes had not yet been wiped off.

Wu Ye'er has always liked this very polite little brother, and it was inevitable that she would feel distressed when she saw him like this, so she stepped forward and pulled him to sit down beside her, patted his thin shoulder comfortingly, and then asked, "Zhengqing, what's wrong?" Tell me about it, maybe my sister can help you. ”

Listening to Wu Ye'er's gentle tone, Han Zhengqing's heart was sour, and he couldn't help but shed tears again, and when he was about to speak, he was really choked up and couldn't speak, but shouted hoarsely: "Sister!" ”

When Wu Ye'er saw him like this, she was afraid that she would not be able to control her emotions for a while, so she had to look at Zhang Rufan and ask, "Godmother, what happened?" ”

Zhang Rufan glanced at Wu Ye'er and Nie Xinyuan, sighed heavily, and then spoke.

Originally, Han Zhengqing has always been a well-behaved and obedient child, since he went to high school and lived in school, his classmates in the same dormitory pulled him to watch various live broadcasts together, and gradually, he became obsessed with those young ladies who sang and danced, and watched the live broadcast with his classmates every night until late at night, and when he got up in the morning, his spirit was naturally not good, and his academic performance plummeted. The most serious thing is that he couldn't stand the coquettishness and cuteness of those young ladies, and began to use the living expenses given by his parents to give them some small gifts.

High school study pressure is high, Zhang Rufan and his wife are afraid that their child will not eat well in school and will not be able to keep up with nutrition, so they try to give him as much living expenses as possible every month, but after all, he is still a middle school student, how much money can he have, and he can't brush up on many decent gifts at all. After watching other local tyrants brush yachts and islands in the live broadcast room, those female anchors will sweetly express their gratitude, and will greet and chat with them, he is both envious and jealous in his heart, and he wants to be able to be proud and be able to get the favor of those young ladies, but he is shy, and he has no excuse to ask for more living expenses with his family, and he is sad every day.

Later, Han Zhengqing found that some of his classmates in the same dormitory began to give a lot of arrogant gifts to those female anchors, and he wondered very much, obviously their family's living expenses for them were much less than their own, where did they get the money? Those classmates didn't hide it from him, told him that they all used campus loans, and excitedly told him that the interest rate of this loan is low, the loan is convenient, and it can be handled with only ID cards, so that they have money to swipe gifts.

After hearing this, Han Zhengqing was moved and calculated his ability to repay. Zhang Rufan and his wife are still very lenient with their children, and the annual New Year's money and the like are at his disposal, and he can buy his favorite mobile phones, sneakers and other things. After thinking about it, Han Zhengqing felt that he could borrow a few thousand yuan first, and then use his New Year's money to pay it back when it was the New Year, so that he could give gifts to his favorite anchors, and he could have more face in front of them.

At the beginning, Han Zhengqing only borrowed 3,000 yuan, and he thought that it would be easy to repay the loan during the New Year, but he had no social experience, and he didn't know that many campus loans were false publicity. Moreover, the 3,000 yuan he borrowed, but he was asked to play an IOU of 5,000 yuan, and he had to repay a part of the principal plus interest every month, Han Zhengqing's living expenses were limited after all, no matter how much he saved, there was not much money left, in desperation, he had to learn from other classmates and borrowed money from another loan platform to repay the arrears, but other platforms also have the same compound interest calculation method.

Gradually, Han Zhengqing's arrears became more and more, even if he spent his mind on how to tear down the east wall and make up the west wall every day, he had no ability to repay, and the thousands of yuan of New Year's money received during the Spring Festival became a drop in the bucket, and even the interest of the month was not enough. In desperation, Han Zhengqing was overdue on various loan platforms, and the accounts of various names such as arrears, interest, late fees, penalty interest, etc. grew like a snowball, and in just over a year, from 3,000 yuan to more than 1 million.

Various platforms called every day to collect debts, and even threatened to make trouble at school to his home, Han Zhengqing was scared, he only felt that such a large amount of money might not be repaid in his lifetime. Han Zhengqing is just a middle school student after all, and in the face of such a thing, he was completely panicked, and even had the idea of suicide, always thinking that maybe he could die and be a hundred, and he would not drag down his parents.

Zhang Rufan was originally more delicate, but she always thought that her son was very obedient and sensible, although she obviously felt her son's anxiety and knew that his grades had declined badly, but she just thought that he had just entered high school and could not adapt to such a high-intensity study, and the pressure was too much to cause him to be anxious. Whenever Han Zhengqing came home from the monthly vacation, Zhang Rufan patiently enlightened his son, telling him to relax, not to care too much about his academic performance, to find the right way to study by himself first, and then slowly improve.

But later, Zhang Rufan found that his son's mood was getting more and more wrong, he was getting thinner and thinner, and he was often stunned alone, Zhang Rufan called him softly, but he couldn't hear it at all. Zhang Rufan didn't know if it was her own delusion, she always felt that the emotions in her son's eyes were very complicated, including nostalgia for life and even anticipation of death.

Zhang Rufan was also worried, and after many heart-to-heart talks, Han Zhengqing finally cried and said everything. When Zhang Rufan heard this, she was also dumbfounded, she only works with poetry and books on weekdays, and she doesn't understand these routines and scams in society at all, and she has never been in contact with these, and she doesn't know what to do for a while. Han Zhengqing's father, Han Zhiqiang, is a senior engineer, because he received a big project, he has been on a business trip for several months, but the mother and daughter have no backbone at home, and they don't dare to call Han Zhiqiang, who is thousands of miles away.

Where does Zhang Rufan still have the heart to go to work, she usually never asks for leave, and for the first time she asked the leader for a few days off, and she was at home with her son who already had suicidal thoughts, and it happened that Wu Yeer sent her a wedding card, only to find out about these situations, otherwise the mother and mother were still at a loss at home, and they didn't even have anyone to give them ideas.

After listening to Zhang Rufan's narration, Wu Yeer knew that this was another usury in the cloak of a campus loan, and said hatefully: "These usury of pit people are really hateful, let's call the police!" ”

Nie Xinyuan stopped Wu Ye'er from taking out his mobile phone and said, "Ye'er, don't worry, Aunt Zhang, is Zhengqing eighteen years old?" ”

Zhang Rufan nodded and said, "Not long ago, he just passed his eighteenth birthday, and Ye'er came to celebrate his birthday with him and gave him a coming-of-age gift. ”

Nie Xinyuan sighed lightly and said: "Then it's more troublesome, after all, Zhengqing is eighteen years old, and he has full civil capacity, even if this kind of thing is called to the police, I'm afraid it won't be of much use, after all, Zhengqing is a voluntary loan, and he was not forced or deceived into signing without knowing it, not to mention whether it will be accepted, even if it is accepted, at most it will be coordinated." ”

"What then? Just watching Zhengqing being deceived by them? Wu Ye'er said anxiously, and then urged: "What do you say about this?" I can pay back this money for Zhengqing, but it's too cheap for those loan sharks. ”

Nie Xinyuan thought for a moment and said: "The money must be repaid, otherwise it will affect Zhengqing's personal credit, after all, Zhengqing is still young, and if there is a problem with the credit information, it will have a great impact on his future life." But we definitely can't pay back the amount they gave, otherwise it will be too much to encourage their arrogance! Aunt Zhang, if you can trust me, leave this matter to me! ”

Zhang Rufan didn't know Nie Xinyuan, so he could only look at Wu Ye'er with an inquiring gaze.

Wu Ye'er took out the wedding card from her bag, handed it over, and explained: "Godmother, his name is Nie Xinyuan, he is my fiancé, I came to you this time, I originally planned to send you a wedding card, and the sixth day of the first month of next month is the day of our engagement." This happened to happen to Zhengqing, and I didn't bother to introduce it to you. The Nie family's connections in Kyoto are still extremely extensive, and this matter can be handed over to him to deal with, and he will definitely have a way. ”

Zhang Rufan heard Wu Ye'er say this, and hurriedly thanked: "Xiao Nie, thank you so much, you said, this is the first time I have met, and it has caused you such a big trouble, but we really don't know what to do, we ......" Zhang Rufan said, tears fell down, and the rest of the words could not be said anymore.

Nie Xinyuan said politely: "Aunt Zhang, you are Ye'er's godmother, then I will call you my godmother after I get engaged to Ye'er, Zhengqing is also my younger brother, our family should not be outsider, as long as you can trust me, I will definitely help you deal with this matter!" ”

"If you can trust it, we can trust it!" Zhang Rufan said again and again.

Nie Xinyuan looked at Han Zhengqing very seriously and said, "Zhengqing, you are still young now, no matter what happens, you must take the initiative to find a way to solve it, and you can't have the idea of suicide at every turn." You have also turned eighteen years old, you are a real man, you must consider the consequences when doing things, your parents are just one of your children, if you really die, what do you think your parents have to live? This home can also be shattered by your impulsive decisions! ”

Han Zhengqing listened carefully to Nie Xinyuan's words, with deep remorse on his face, looking at his mother, tears kept rolling in his eyes.

Nie Xinyuan said again: "This time, I will help you deal with it, you don't have any psychological burden, and you can go back to school to study with peace of mind, but you must promise me one thing!" ”