Time Loan seems very unprofitable. By signing it, one can overdraft a certain number of years and gain the corresponding cultivation during this period, and also get Spirit Stones rewarded by the Time Wheel Zen Sect.
The downside is also obvious: you have to repay according to the borrowed years, and with interest, the repayment is much more than the initial loan. Even considering the lowest cultivation efficiency, it's quite unprofitable.
So when people hear the words 'Time Loan,' they instinctively choose to stay away.
However, if you combine these two settings, you'll find a loophole to exploit.
Liang Chun borrowed a Time Loan for two years and chose to repay it immediately, which means he paid off his four years of life directly.
At this point, he is equivalent to having cultivated for four years, and naturally gets classified as a "Ten-Year Disciple."
