"The fifth-order star master's cultivation is complete, and there are four main things that need to be done next!"

"The first is to repay the loan, the second is to apply for the Kunlun Star Palace graduation assessment, the third is to take the postgraduate entrance examination to obtain the second Star Palace inheritance, and the last is to advance to the sixth-order star master!"

Liang Ji gave a rough list of what he would do next.

With the completion of his fifth-order star master cultivation, he was already able to graduate from the Kunlun Star Palace. But before that, he undoubtedly had to repay all the student loans such as spirit stones and meritorious services that he had applied for from the Star Palace in the past.

Otherwise, it would be impossible for Kunlun Star Palace to arrange a graduation assessment for him and allow him to graduate from Star Palace.

"Now, how many spirit stones and how many merits do I still owe Kunlun Star Palace?"

Liang Ji sacrificed the 'Star Watch', and after several star network transfers, he logged in to the star network of the Kunlun Star Palace to check his several loans and arrears.

"Before entering the Star Palace, in order to meet the requirements of the mentor and complete the cultivation of the first-order star lord as soon as possible, I took out a loan for the first time."

"Later, in the second-order star master stage, the new students of the Kunlun Star Palace, there is a subsidy for the new life loan in the Star Palace, and the loan is interest-free, at that time, for the cultivation of the 'Nine Sons of the Dragon' bloodline family, as well as the acquisition and cultivation of various bloodline supernatural powers, but also to consume the wool of the new life loan, it is also a real loan A lot of spirit stones and meritorious deeds."

"Later, after advancing to the third-order star master, without the benefits of a freshman loan, I also began to try my best to avoid loans, so as not to incur too high interest, but it was still inevitable to take out loans at several critical times."

"For example, in the fourth-order star master stage, the first time I formed a team to explore the outer lands, I needed to lease a starship belonging to my own team, and at that time, the spirit stones and meritorious deeds were not enough, so I took out a loan...... However, this loan was almost repaid after the discovery of the Bath Sun Star and the first expedition proceeds......"

"There are also two transformations of the 'Dragon Snake' starship...... I also have loans, but because of the interest, I also repaid them as quickly as possible......"

Liang Ji checked his loan and repayment records in the Kunlun Star Palace one by one, and finally breathed a sigh of relief: "Fortunately, there are only three loans left now, one is the loan before entering the Star Palace, and the second is the new loan during the second-order star master, both of which are interest-free, and only the loan principal needs to be repaid." ”

This is also the main reason why Liang Ji has not repaid these two loans.

"The third loan is the spirit stones and merits paid over the years in order to complete the cultivation of the fifth-order star master as soon as possible, to purchase various fifth-order spirit roots, fifth-order spirit seeds, and even to reward different types of heavenly demons for creating star power."

Although most of these spirit stones and meritorious deeds were earned by him by selling the places in the 'Experimental Group', as well as some of the 'Dragon and Snake Chamber of Commerce', there would always be some gaps, which made him have to borrow some more from the Kunlun Star Palace.

For example, at the beginning, with the help of the 'Innate Qi', his natal star had increased the strength of his spiritual veins by more than one percent in a short period of time, and in order to purchase those cherished and rare fifth-order spiritual roots and spirit seeds through the 'Heavenly Snake Academy' trade route, he had to take out a loan from the Kunlun Star Palace.

Although these loans have begun to generate interest, in the past ten years, in order to give priority to completing the cultivation of the fifth-order star master stage, Liang Ji still gave priority to the purchase of various spirit seeds, spirit roots, and inheritances in order to give priority to completing the cultivation of the fifth-order star master stage, and did not repay them in time.

"So, two interest-free new loans, plus the latest batch of loans......" Liang Ji pulled the loan record to the end, and saw the total amount of principal and interest that he needed to repay.

There are 33,000 high-grade spirit stones and 220,000 meritorious deeds!

It doesn't seem like much, but it's enough to give Liang Ji a headache.

After all, high-grade spirit stones are generally used by high-level star lords to trade high-level materials, spirit seeds, etc.

He is only a fifth-order star lord now, only a middle-level star lord, trading, buying various spirit seeds, spirit roots, inheritances, etc., and using medium-grade spirit stones.

33,000 high-grade spirit stones, converted into medium-grade spirit stones, are 3.3 million medium-grade spirit stones.

You must know that the freshman loans he borrowed from the Kunlun Star Palace at the first-order star lord and second-order star master stages were only low-grade spirit stones, even if it was a loan of 10 million lower-grade spirit stones, it was only 100,000 when converted into middle-grade spirit stones, less than a fraction of the current arrears.

In other words, most of these arrears were caused by the principal of the spirit stones he had borrowed from the Star Palace in order to complete the cultivation of the fifth-order star master stage as soon as possible in the past ten years, as well as the interest generated.

"Sure enough, the Star Master Monk consumes resources and capital the most!"

"Even with the 'Dragon Ball' creation, as well as the 'Three Light Sky Dew' and other resources, to achieve the accelerated ascension and growth of the natal stars, but only the consumption of supporting resources such as spirit seeds, spirit roots, and inheritance, it also requires the consumption of millions of medium-grade spirit stones."

Liang Ji looked at the total amount of loans that needed to be repaid, and couldn't help but shake his head with a headache.

3.3 million medium-grade spirit stones, 220,000 meritorious deeds!

What is this concept?

You must know that Liang Ji originally formed the 'Dragon Snake' expedition team, and for the first time he went on an expedition to the outer star sea, and after discovering the 'Bathing Sun Star', because of the special circumstances, inheritance, etc., he finally chose to sell it to the Star Alliance, and the reward for the entire team was only one million medium-grade spirit stones and 100,000 meritorious deeds!

Now he needs to repay 3.3 million medium-grade spirit stones, 220,000 meritorious deeds, which is almost equivalent to him selling three outland life stars like the 'Bathing Sun Star'.

Of course, different Outland Life Stars must be sold at different prices.

The 'Sun Bath Star' is a star that is on the verge of destruction, and its value is limited, and only one set of the 'Sun Altar Great Array' has some value, so the price is limited.

But if it was a high-level star like the 'Three Holy Stars', if he really took it out and sold it, the price would definitely increase tenfold, or even a hundredfold.

After all, the 'Three Holy Stars' are high-level stars, which can produce seventh-order spiritual materials, spiritual objects and other resources, if they really want to sell, they must be settled with high-grade spirit stones, and millions of high-grade spirit stones are possible.

But it was impossible for him to sell the 'Three Holy Stars', after all, this was the only high-level life star he had in his hands now, and the middle-level spiritual objects and seventh-order spiritual materials produced every year were all important guarantees for the 'Dragon and Snake Chamber of Commerce' to earn spirit stones.

He will next advance to the sixth-order star master, and even the cultivation after advancing to the high-order star master, the cultivation of the natal stars, etc., will only require more spirit stones and meritorious deeds.

The 'Three Sacred Stars' can be said to be an important guarantee for his next daily cultivation, which is enough for him to use to the high-level star master stage, so naturally it is impossible to sell it so easily.

"You can't sell the 'Three Sacred Stars'...... Then you can only sell 'Sayuan Star'! ”

Liang Ji gradually made a decision in his heart.

(End of chapter)