Why Compete? My Hogwart’s Is on a Loan

[Harry Potter Fan Fiction · System · Transmigration]

Transmigrating into the world of Harry Potter, Lucien awakens a loan magic system and flicks his hand to prepay rewards in advance!

Of course, the debt still has to be repaid.

And so, the students at Hogwarts come to witness a new student who is not only more outstanding than you, but also more of a grinder than you.

[Congratulations, host, you've obtained "Loki's Faceless One". Please repay the loan: perfectly master Transfiguration.]

Dumbledore: "Talent and effort, both are there. Could Lucien be the future of the wizarding world? But the prophecy says..."

[Congratulations, host, you've obtained "The Complete Collection of Dark Magic". Please repay the loan: Voldemort's head.]

Voldemort: "What do you mean, because you owe debt, you need to borrow my head for a bit?"

[Congratulations, host, you've obtained the recipe for the Resurrection Potion. Please repay the loan: create fifty brand-new potions.]

Snape: "Lucien figured out the recipe for the Resurrection Potion? Lily... tell Dumbledore I'm resigning. Potion professor? Go find Lucien!"

...

Lucien stands with his hands behind his back. "I didn't mean to be this outstanding. I just borrowed too much."