From Student Debt To Pack Debt

The day after my parents finally find me and bring me home—18 years after my abduction—they announce their bankruptcy and plunge into massive debt. Over the next two years, I'm forced to drop out of school and work three jobs a day to pay off the family debts. I even lose hearing in one ear after a brutal beating from a debt collector. Through it all, Mom and Dad hold me close in the middle of the night, weeping and apologizing for failing me. Foolishly, I believe them. I tell myself that as long as our family is together, I can endure anything. Desperate to hear again, I buy a used hearing aid on a secondhand goods platform for 9.90 dollars. The comments section congratulates me on snagging a rare steal. But the seller replies indifferently, "This is something my housekeeper doesn't want anymore. I'm just giving it away as charity." Swallowing my pride, I travel to a massive luxury villa to pick it up. After taking the hearing aid from the young woman, I bow my head in deep gratitude. But as I look up, my gaze catches Mom and Dad in the garden behind her. They were calling out to her, saying, "Stephy, hurry back after meeting with that peasant. And be careful not to get your hands filthy."

After my family is burdened with a debt of 5,000,000 dollars, I become the only person in the family who can no longer afford to "die". Dad is trampled in the mud by our creditors, protecting what's left of my school tuition fees even if it means breaking his fingers. He roars, "You can hit me, but don't you lay a finger on my daughter!" At that moment, Dad's small, hunched figure becomes a debt that I can never repay in my lifetime. Meanwhile, Mom kneels before the creditors, grovelling in the mud as she begs for a few more days of grace. Burdened by Mom and Dad's love for me, I drop out of school and go to work at a factory to make as much money as I can as quickly as possible to pay back the debt. Ultimately, my landlord kicks me out of my lodging on Christmas Eve. I'm also sporting a high fever in the snow, but my wages from the factory are still unpaid. I call Mom and beg her to transfer just 50 dollars to help me out. However, she doesn't sound concerned or anxious on the other end of the line and utters in disgust, "Haven't you gotten your wages already, Carolyn Swanson? "How dare you lie to us? Who taught you that? If you can't afford to buy the meds for your so-called fever, then you might as well just die!" Then, she hangs up on me cruelly. I grip my phone in my hands, watching the snow falling from the sky. My hands feel even colder than the icy ground at this point.

My wife, Alisha West, has always been obsessively frugal. After marrying her, my single guilty pleasure became blowing money on luxury watches—almost like revenge for how absurdly tightfisted she was. By the time our daughter, Elyse Day, turned 7, she had inherited every bit of her mother’s penny-pinching nature. The two of them looked completely out of place in our sprawling mansion. And I loved it. I’d slip into my latest custom-tailored suits and watch them wince at my credit card statements, their expressions twisted in quiet pain. Until one day, lines of floating text suddenly appeared before my eyes. [This spendthrift idiot is still shopping? Doesn’t he know his wife’s company is about to go bankrupt?] [She’s been drained dry supporting this parasite. Her T-shirt collar is practically worn out from washing. Good thing the financially savvy male lead is about to show up and save her.] [Can’t wait for Alisha to file for divorce and kick this useless freeloader out. Let’s see how he survives fighting stray dogs for scraps under a bridge.] I slammed the limited-edition Richard Mille watch onto the table. Alisha, who was crouched on the floor breaking down delivery boxes for recycling, and Elyse, who was helping stomp them flat, both jumped in shock. A chill ran through me. I lunged forward, snatched the battered cardboard box from Elyse’s hands, and held it tightly against my chest. "No… no more buying. I’m returning this watch. "And these boxes… don’t sell them. I think we might need them someday… to lay out under a bridge when we’re sleeping outside…"

The notice of my mother's layoff sat on the kitchen table. Rent was due in three days. My younger brother's tutoring fees were already two weeks late. And my little sister, Stephanie, clutched her acceptance letter to the local public arts high school like she'd done something wrong. None of this would be happening if it weren't for me. My illness had taken everything our family had saved. I stayed in my room, leaning against the door, wanting to tell them I'd drop out of treatment—but I couldn't bring myself to open it. "Why did he have to fall sick?" My mother was crying, her voice low and tight, like the words were being forced out of her. "If it were just you both, Stephanie and Jamie, we'd be fine by now." "Mom, please don't say that." My brother and sister held her, barely holding back their own tears. "He's a burden… but he's still my son." Her voice cracked. "I just… I can't do this anymore…" I stepped back and sank into my chair. It wasn't an accusation. It was a verdict.

My husband, Julian Harlow, has died, leaving behind a five-million-dollar debt. I decide to inherit his debt right away. However, my best friend, Evangeline Frost, goes crazy from worry because of my decision. In my previous life, Evangeline had advised me to not inherit Julian's debt because he didn't have any assets. So, I signed the agreement to give up on inheriting his assets and declare that I had nothing to do with Julian in order to escape from the debt. But the debtors kept haunting me. They even kidnapped my son, Shawn Harlow, just to force me to pay the debt. The debtors were extremely violent and ruthless. On top of that, they kept using Shawn's safety as leverage over me. Every time they forced me to pay the debt, I felt as though I was being tormented slowly yet painfully. In just 24 hours, I asked all of my relatives for help, but I was only able to gather 100 thousand dollars. In the end, Shawn never escaped from his fate. I was sold to Northreach by the cruel debtors in order for the debt to be cleared. But that was when Evangeline claimed that her own son had finally returned to his roots, thus successfully inheriting the assets of a billionaire. I finally found out that said billionaire was actually my dead husband when I watched the news on the TV. Only then did realization dawn on me. Julian was pretending to be poor this whole time. It turned out that Evangeline's son was actually his illegitimate child. The assets that I had given up all went to Evangeline and her son in the end. Filled with resentment, I tried to escape back to the country in order to settle the score with Evangeline, only to die to the electric fence surrounding the slave camp in Northreach. When I open my eyes again, I've returned to the day Evangeline tells me to give up on the assets.

The SAT results have been released, and my younger brother, Alvin Bellamy, got a score of 1400. To celebrate his achievement, I set aside my usual frugal habits and throw him a party. Amid the lively cheer, he suddenly says, "Sandy, I'm legally an adult now. It's time for you to give me Mom's life insurance payout, yeah?" I shake my head in response, but just as I'm about to explain why, he flies off the handle. "I've had enough of the pressure of studying in this country! I didn't even bother applying to any colleges, and the application deadlines have closed, so I'll be stuck attending a community college. If you don't want to ruin my future, you have to give me the money so I can study abroad instead!" Feeling disappointed and disheartened, I transfer Alvin 5,000 dollars on the spot. However, he assumes I'm keeping the lion's share of the money to myself. Not only does he threaten me in front of everyone, but he even teams up with our biological father, who cheated on our mother many years ago, to spread lies about me. "You've been hoarding all of our dead mom's life insurance payout, living it up this whole time while refusing to give any of the money to me, your own brother! What did I do to deserve a sister as vicious as you?" Looking right into the eyes of the nasty ingrate I've doted on for over a decade now, I scoff and throw out a pile of invoices. "Where do you think the money that's been spent on you all these years came from? In fact, if we're going to settle the score properly, you owe me 580 grand."