HP: Talented, Powerful, Yet in Debt

ReincarnatingintotheworldofHarryPotter,LucienGraftonthoughthewouldgrowupastheheirtoawealthyfamily.ButthemomenthisHogwartsletterarrived,hisLoanSystemawakened.Advancerewardsnow,paythepricelater.Simple,right?[Congratulationstothehostforobtaining"Loki’sMask"(Black-greenshiftingmaskofLoki).]RepaymentPeriod:365days】Reward:【LoanContent:AcquirethemagicaltalentofLoki,theGodofTrickeryandChange】【WhiteMagic:S】【DarkArts:SS+】【Defense:S+】【Transfiguration:SSS】【Potion:A】【Alchemy:A+】【magicPower:SS】Repayment:PerfectlymasterTransfigurationwithinoneyear."Umm..withthisSSS-ranktalent,IcanmasterTransfigurationwithinayear..prettysimple."[CongratulationstothehostforobtainingaQilinEgg.]Reward:Adivinebeastcompanion.Repayment:RefineaPotionusingthePhilosopher’sStone."Uhh..aPotionusingthePhilosopher’sStone..?Well,IguessIcandothat.."[CongratulationstothehostforobtainingtheDarkMagicEncyclopedia.]Repayment:Voldemort’shead.“…Wait—what?!”Voldemort:“Whatdoyoumeanyouoweadebtandneedtoborrowmyhead?!”Witheveryloan,Luciengainspowersbeyondimagination,becomingOverf#ckingPoweredfartooquickly—butalsodebtsthatcouldshaketheWizardingWorlditself.McGonagallseeshimasaonce-in-a-centuryTransfigurationprodigy.Dumbledorefrownsathis“dangerouspotential.”HermionestaresinshockasthenewboybuysouthalfofFlourish&Blotts.AndLucienhimself?Hejustwantstoclearhisdebtsbeforetheypileuptoohigh.Afterall…what’sscarierthanVoldemort?ASystemthatwon’tstoplending!!!