Can I Repay My NSSF Loan Early?

It was almost New Year. I had just withdrawn money from the bank when I noticed that the amount on my passbook didn't match the cash in my hand. I counted carefully—my passbook showed a different figure than the five thousand dollars I was holding. Frustrated, I turned and went back to the counter to find the teller who had handled my transaction. Clutching the receipt, I tried to be polite. "Excuse me, I think there might be a mistake with this transaction." Instantly, she snapped, pointing her finger at my nose. "Don't you know that once you leave the counter, we are not responsible for any discrepancies?" I waved my hands, trying to explain. "No, wait, look again. I clearly withdrew five thousand dollars, but on my passbook, it shows…" She cut me off impatiently. "When you filled out the form, it was all right there. Once you leave the counter, it's not our problem. You signed the form yourself, confirming everything. Are we supposed to correct it every time someone claims a mistake after leaving the bank?" I froze. No wonder she kept repeating that the bank isn't responsible after leaving the counter. She thought I had come back to ask for more money. What I was really trying to explain was simple: I withdrew five thousand, yet my passbook showed that I deposited five thousand.

After being reborn, the first thing I do is bind myself to a transfer system and agree to my mother's proposal that the whole family splits expenses equally. It is because in my previous life, after I refuse the transfer system, my mother throws a bill at me and demands repayment. The bill lists every expense from my childhood to adulthood. There are small things like the cost of an eraser or a pencil, as well as big ones like tuition and living costs. "The total cost of raising you is one million dollars. On top of that, the money your brother needs for his wedding, car, and house are all family matters. So, we will split them equally. Taking all those into account, you need to repay us three million dollars in total." So right after graduating, I fall into a massive debt of three million dollars. I do not finish paying it off until I am 38. Just when I try to break away from my family and look for my own happiness, my parents start a livestream and curse me for being a terrible daughter. They claim that I abandon them in our hometown while running off to a big city to chase my own freedom. As a result, I face overwhelming criticism online. I fall into depression for two years, and on my 40th birthday, I accidentally fall from a building after getting drunk. When I open my eyes again, I am back to the moment when the transfer system first appears. This time, I say firmly, "Bind me to the system."

My mother suffered a heart attack. We had to pay a deposit of thirty thousand dollars before she could receive bypass surgery. I borrowed money from all my relatives and friends and scraped together this life-saving sum. When I was queuing to pay the fee, my husband said, “Why don’t you go get your mom some water to keep her hydrated? I’ll wait in line and handle the payment.” When I returned with the cup of water, I saw him giving the stack of cash to a family member of a patient he had just met. “Hey, we crossed paths for a reason, man. Take this for now. You clearly need it more. We’re fine on our end, trust me,” he said boastfully and patted his chest. He had always been a show-off. A nurse stood outside the resuscitation room with a consent form in her hand as she shouted for a family member to sign. My mother’s heart monitor had already gone flat.

After I switched from a private company to a foreign enterprise, my salary rose accordingly. My husband, who was always frugal, suggested that I hand over my entire salary to him. He claimed it would be used for daily household expenses. Watching him calculate the numbers, I asked, “What about your salary?” He said casually, “I’m saving it for our retirement.” I said nothing and followed his instructions. I spent my entire salary within a month. My husband finally felt uneasy when he saw how many packages kept showing up at our home. Seeing his doubts, I happily said, “You’re the one who said to use my whole salary for household expenses.” He exclaimed, “What are we, the Rockefellers?! How can one month cost this much?” That was funny. It turned out that he knew that a normal family’s expenses would never take my entire salary.

My mother-in-law, Mabel Grath, always liked me to arrange family trips. But she only transferred a small fraction of the cost. She called it a “deposit.” “I’m just following what you young people do with deposits. It’s not like I’m going to skip out on the rest.” After the trip, however, she never mentioned the rest of the payment again. I did not really mind. I quietly paid out of my own pocket for five-star hotels and luxury meals every time. Then one day, my husband’s sister, Marlene Grath, dropped a sarcastic comment in the family group chat. “Noelle Frost loves playing travel agent with my mom’s retirement money. “For all we know, she’s signing us up for cut-rate shopping tours and skimming the kickbacks.” Mabel replied with a smirking emoji. It seemed she was silently agreeing with her daughter. My heart sank. Over the years, I had taken them on trips all over the country and abroad. I had covered at least 100,000 dollars out of my own pocket. Yet, I still ended up looking like the one taking advantage of them. Mabel transferred four hundred dollars to me again and asked me to arrange a seven-day tour to Erope. So, I went ahead and booked them a one-day farm stay just outside the city.

The day my scholarship came through, I was about to send the money to my grandfather in the hospital. Then I suddenly heard a voice. [The Transfer System says that as long as someone eats or drinks something I give them, I can move their money away without anyone noticing.] [Julian just got his scholarship. He'll make the perfect test subject.] [If the transfer works, I can use the money to buy those sneakers I've been wanting.] That voice clearly belonged to my roommate, Caleb Foster. Puzzled, I was just about to turn around to confirm it when a bottle of water was set on my desk. Caleb smiled warmly and said, "Julian, thanks for picking up my package yesterday. Here, have some water." A second later, his delighted inner voice rang out again. [Drink it. Drink it. Once you drink this water, your money will be mine!] Seeing the expectation and greed he couldn't hide in his eyes, fury rose from the bottom of my heart. He knew full well that scholarship was my grandfather's life-saving money. I took the bottle with a blank expression. He wanted to transfer my money away? Then I'd make sure he transferred more than he could handle.